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Driver Defence Patterson Law
"You need to notify your insurance company. They may try to suggest that your insurance is invalid but they cannot void insurance retrospectively so you would be covered for this incident. Whether they continue to provide cover is another thing.
You are at risk of being prosecuted for fraudulent misrepresentation if they decide to take it further."
Your advice is either seriously flawed or very badly worded.
An Insurer can void a policy for non disclosure, void being for "avoid" the policy which basically means the policy never existed. This means the policy is treated as never existing and can be done retrospectively.
Non disclosures are generally discovered at the time of a claim so to not pay the claim the Insurer is obviously carrying out the voiding retrospectively.
From the Ombudsman "If a customer fails to disclose (or misrepresents) a material fact and this induces the insurer to accept the proposed risk, the legal remedy is to "avoid" the policy. This means the insurer is entitled to treat the policy as though it never existed. Unless fraud is involved, the insurer will normally return the premium and will not pay out on any claim made under the policy"
Under the RTA the Insurer would still need to pay any valid third party claims although they are entitled (and nornally will) look to the policyholder to reimberse their outlay.
It looks like you need to read this link http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm
N.B the requirements on non disclosure have changed recently but Insurers are entitled to void a policy restrospectively still
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