>> But the legal answer is "yes" . You are obliged to tell your insurers of
>> any accidents to your car at renewal whether or not you made a claim. An
>> accident is a material fact and needs to be disclosed. Failure to disclose could result
>> in the policy being void.
>>
Are you really telling me that if I hit my wing, say, accidentallly when using a mallet nearby then a subsequent repair by myself using plastic padding and spray paint or whatever would require me to tell my Insurance company. I think not - surely.
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