glenn forger
Guest
Of course mate and I was being slightly obtuse...the failure to report any 'incident' is indeed in breach of their terms, however sometimes they dont need to know.
My daughter had a minor 'incident'..non injury, minimal damage that involved a door and an alloy wheel, no claim from either party but the other party towed the party line and reported it. It was reported as an 'incident' and for three years she suffered in her premiums and I daresay the other driver did as well.
The thing I kind of take issue with is that every incident on here is taken to the extreme...reality land as you know is that this doesnt happen and for good reason. The Police for example would rather you sorted things out amicably without their involvement, Insurance companies I dare say would like full involvement - as to them its a money earner and an 18 year old clerk will more often than not decide liability or not over the phone without any witness evidence for minor cases.
There's an awful lot wrong with this. First, the idea that driving into people is a trifling matter. It bloody isn't. Second motor insurance doesn't make money. More is paid out in claims than is taken in premiums. £1.4m paid out every single day. Third, FNOL employees don't decide liability. No insurance company has iability settled by the person who takes the First Notification Of Loss. That would create uproar and lots of follow-ups. Insurers don't like follow-ups.
The feeling I'm getting from reading this stuff is that peoples' relationship with their insurer is far from an open one. It's a sort of casual dishonesty that's depressing. It may not be fraud, although telling lies for money sounds like fraud to me, but it's certainly a breach of your terms and from reading this article it doesn't sound like an omission or mistake, it sounds deliberate. Insurers don't like deliberate liars either.
http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm
It most certainly is something the insurers need to know, because if you fail to notify them you are asking them to cover your risk but you are lying about your driving record.