A couple of points,
Firstly we, for some years, used to insure with the company referred to in previous posts and therefore had been unwittingly making a false declaration to the BA at the point of toll collection. We have since changed companies after becoming aware of the issue.
Secondly, you can not buy a temporary toll for a visiting dinghy without making an insurance declaration even though the act does not require such a vessel to carry insurance. So, to comply with the form to buy a temporary toll you are making a false declaration whilst actually complying with the act!
Thirdly, also mentioned above, there is no longer a requirement to prove insurance at the time of paying ved (car tax) and hasn't been for a while now. However, it is against the law to own a taxed but un- insured vehicle irrespective of whether it is actually in use or not.
Personally I welcome kfurbank's quest to clarify the situation. My boats are insured appropriately and I have always felt the question, at the point of toll payment, to be worthless. If BA actually do not need to ask then it also simplifies their processes so maybe it's a good thing? Just like your mot certificate at the point of VED payment, any policy or declaration to the BA is only valid at the point of sale. Your insurance details are not recorded and, therefore, could expire the following day but your declaration allows you a toll payment for up to 12 months cruising!
There are no ANPR cameras on the broads!!