Online tests are rubbish... so I wont even go there...
If you had it done by a reputable psychologist, Id say it'd be pretty accurate. There's a pretty steady guide they have to follow and all tests have to be pretty consistent for all psychologists doing IQ tests, to prevent innacuracies.
Id say its accurate. But you can actually improve your IQ by exercising your brain- reading, doing word puzzles, soduko, etc.