Your policy will contain a clause similar to this
The policyholder must take reasonable care to provide complete and accurate answers to
the questions we ask when you take out, make changes to, and renew your policy.
If the information provided by you is not complete and accurate:
we may cancel your policy and refuse to pay any claim, or
we may not pay any claim in full, or
we may revise the premium and/or change the compulsory excess, or
the extent of the cover may be affected.
One of the questions asked at inception and renewal will have been something like this:
Have you or any driver had any accidents, losses or claims, regardless of blame within the last 3 years?
I would say driving into a wall clearly comes within the scope of information needing to be advised. I was not answering a hypothetical question about plastic padding. You need to make up your own mind
As always with these questions as to whether you should tell your insurer, the answer is if you are in doubt then you probably should
|
