What is the car insurance risk assessment questionnaire like?

The Risk Assessment Questionnaire must be completed correctly to avoid losing your compensation rights.

When you take out car insurance, whether online or in the presence of a broker, you need to answer a series of questions and fill out the risk assessment questionnaire.

Many people don't realize that the broker does this, as questions arise throughout the conversation. However, in the online quote it is evident and some people end up complaining that there are too many questions. However, there is no way to quote insurance without filling in this information as it is extremely necessary to define the value of the premium.

All data provided by the insured is evaluated and the risk can be defined based on the information provided. The rule is very simple, the greater the risk, the greater the insurance value. Likewise, the opposite also occurs.

For those who think it is bad or do not agree with the questionnaire, it is worth highlighting that it is regulated by SUSEP and is in accordance with insurance rules.

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What types of questions are in the risk assessment questionnaire?

To be able to make a more accurate assessment of risks, the insurer evaluates different items, including:

• Age of the main driver of the vehicle: The younger he is, the greater the risk of being involved in an accident according to statistics;
• Region where the vehicle travels: The theft rate in the region is evaluated;
• Location where the car is parked: Assess whether it is in a garage, a place considered safer or on a public road;
• Security devices: Alarms and trackers can prevent theft and make the car a little more protected and;
• Length of time the driver has been licensed: The more experience behind the wheel, the lower the risks.

In addition to these, it is up to the insurer to check what other data it may consider relevant. Because of this, each company works with a form model and different questions.

What if I lie on the questionnaire?

There are people who, knowing the items that are evaluated in the Risk Assessment Questionnaire, end up lying about some questions, just to get a more affordable price on insurance.

This can actually happen, after all, if the risk is lower, the price of insurance drops. However, it is worth remembering that art. 766 of the Civil Code provides for this type of “cleverness” and when the insured lies in relation to the questions he loses the right to guarantees.

Therefore, anyone who lies on the form runs a serious risk of not receiving compensation if an accident occurs and the insurance company verifies the facts.

Now when you go to get an insurance quote, you already know that the information in the Risk Assessment Questionnaire needs to be filled out carefully and truthfully.

Take advantage and get your quote to find out how much car insurance costs according to your risks.