CG is right of course, the only fireproof way to deal with the question of what to tell your insurers is to tell them everything and leave the decision to them as to whether it is relevant.
But it's the old problem of there being three different versions of every procedure, and none of them being ideal - the three versions being the official version, what people think they should do, and what they actually do.
I am sure as hell not going to report the parking scrape somebody else just put on the Civic's bumper, the mark on the corner of the MX5 from where I got too close to the house with the disappearing bonnet (there are 30 worse marks on the car that were there when I got it - do I report those?) and the stone chip on the Outlander's lunatic lacquered wheel spoke.
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