It depends on which form applies and who was driving. Test drives usually fall under your auto coverage rather than garage keepers, and coverage can differ between an employee and a customer at the wheel. This is worth confirming in writing before an incident, not after.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
