Will my insurance company give me a car replacement after my car has been stolen?

Your claim will probably be voided for falsifying your information, and truthfully, you deserve that. You've been fraudulently making yourself appear older than you are, likely lowering your premiums. That is FRAUD. Also, you were in a panic and you gave your wrong DOB? Really? No one is going to believe that one, sorry. A gun could be to my head and I would remember the hour I was born, let alone the date.

There are two main points to your question: 1) You gave the wrong date of birth. Your boyfriend was 100% wrong and very irresponsible to "brush this off". Because the driver's age is very important when it comes to calculating your premium; and if you faked it then then they could think you were trying to commit a fraud. That's not only putting your insurance cover at risk, it's also a criminal offence. The first time you did this was accepted as a mistake and the company were gracious and allowed you to change it. But when you gave them a wrong date a second time this is bound to raise alarm bells at their office. They may wonder what else you "got wrong". You must prepare yourself for a lot of grovelling and make sure that you give them a very clear and HONEST explanation for what you have done. A lot of people deliberately lie to insurance companies to get or save money and they are very sensitive about it. You must also tell your boyfriend that there are some things in this life (eg insurance and any other legally binding contract) where you must take the trouble to get it right or it could cost you a lot more in the end. 2) Car insurance is based on the premise that they will pay you the right amount of money for you to replace the vehicle with the same make, model, age, condition and mileage. For example, if you lost a 2005 Vauxhall Corsa with 85000 miles then the payment should be enough to buy another 2005 Corsa with 85000 (or near) miles on the clock. They won't give you another car, that only happens with a loan car for the duration of crash repairs not theft. They WILL NOT "devalue" the car but what they will do is to make you an offer based on the industry guide book called "Glass's Guide". This is a document giving average values for cars based on auction prices throughout the UK. You are not obliged to accept this offer. Because most of the people who buy at auctions are dealers the prices tend to be lower than you'll find on garage forecourts. This means that the insurance company's offer will be the "wholesale" price of a second-hand car. That's why they always seem to be lower that people expect. You are fully entitled to reject this first offer and request an amount that accurately reflects the real price you would have to pay to replace your car. To do this you must search through car magazines and internet to find advertisements for cars that are as close as possible to the same condition and mileage as yours was. Important: They must be exactly the same make, model and year but the colour doesn't matter. Send copies of these adverts to the insurance company and explain that if they can find you someone selling for the same price as they're offering then you'll accept it (be polite). Unfortunately, because of the DoB business your negotiating position is very weak. If you press too hard they may refuse to pay you anything.

The insurance company might try to get out of paying out at all because you gave false information. Basically, its as if you don't even have insurance. Hopefully they will overlook it but they normally do anything they can to try to get out of paying out. You really should have give them the correct date of birth. You have to declare that to the best of your knowledge that all the details that you were giving over to set up the insurance were correct to the best of your knowledge. I know you weren't the one that set it up but it's your insurance so you are ultimately responsible. I'm sure they sent you all the documents in the post with a letter advising you to read through the documents to make sure everything is correct.

IF, and this is the big if, they don't find out the fact that you have been fraudulently insured then they will pay the value of the car as they see it less the policy excess. If they do find out the fraud then they could even get in touch with the Police and have you investigated for crimnal purposes - they will not pay out for the car as they don't have to. At no point would you be entitled to a "car replacement" - yes money is the only option

The insurer has three choices. They can just pay out, which is unlikely. They can charge you the back premiums based on what you should have paid had you disclosed the date of birth correctly, or they can void the insurance and refuse to pay out on the claim. Voiding the insurance is the most likely option. The policy being set up by someone else isn't a valid excuse. The contract is between you and the insurer, so the onus is on you to check that everything is correct. Although he couldn't have shown it you before he set it up as it would have spoilt the surprise, there was no reason why you couldn't check the documents after. By phoning the insurer later and giving them a different incorrect date of birth, you have not helped matters as it will now be on record that you were aware that it was wrong and yet knowingly committed fraud. Insurance companies log all calls and record some or all of them. What you have done is extremely serious. Insurers are really clamping down on fraud. They have measures in place to identify it, and the fact that your claim has been passed on to an external company is proof that they are investigating it. Do you realise that there is now a central unit called the Insurance Fraud Beaureax and a database called the Central Underwriting Exchange. If you attempt to defraud one insurer, you will be logged on the database so that all other insurers know what you have done. It is likely that nobody in your household will be able to get any kind of insurance if you are logged as a fraudster. They could even take you to court charged with obtaining insurance by deception, as fraud costs insurers millions every year and they are getting tough with anyone they catch. To answer your original question, if the insurer voids the insurance, you wont get paid a penny. If they do pay out, the most likely case scenario is that they will pay the market value of the vehicle. There are a few policies out there which replace the car if it is less than 12 months old, but those are few and far between, and it depends if you have that type of policy.