Reporting fraud

Unicorn1095

A couple of threatening characters stopped my car and claimed I had clipped their car with a boat hull that I had on my trailer when pulling away from a petrol station..  I don't know whether I did or not.  They pointed out a small dent on their car and offerred to accept £300 in cash to avoid any insurance claim.  I said I did not have that sort of money on me and gave them my email address and asked them to send me the offer and I would see what I could do.  I sent them my insurance details when they emailed me asking for money and informed my insurance company of what had happened.  They did not put a claim in to my insurers and I heard no more.  Nearly a year later my insurance premium has shot up because there was a no fault incident logged and placed on the claims and underwriting exchange (CUE) which immediately bumps up the premium even if flagged as no fault.  Perhaps I should not have informed my insurance company in the first instance.

Car_54

Ironically, you would then have been guilty of fraud.

AdrianC

Unicorn1095 said:

A couple of threatening characters stopped my car and claimed I had clipped their car with a boat hull that I had on my trailer when pulling away from a petrol station..  I don't know whether I did or not.

Yet they're definitely fraudsters? It's very easy to underestimate the tailswing of a long trailer. If you don't know if you did or not, then you weren't watching it. Learn from that, because next time you may not be so lucky.

Perhaps they simple decided it wasn't worth the hassle of getting insurance involved.
Perhaps they wrote the car off on the way home that night, so there was no point in claiming.

You notified your insurer of an incident that may lead to a claim. They logged it.

Everybody did everything correctly. What's the issue?

DUTR

Unicorn1095 said:

A couple of threatening characters stopped my car and claimed I had clipped their car with a boat hull that I had on my trailer when pulling away from a petrol station..  I don't know whether I did or not.  They pointed out a small dent on their car and offerred to accept £300 in cash to avoid any insurance claim.  I said I did not have that sort of money on me and gave them my email address and asked them to send me the offer and I would see what I could do.  I sent them my insurance details when they emailed me asking for money and informed my insurance company of what had happened.  They did not put a claim in to my insurers and I heard no more.  Nearly a year later my insurance premium has shot up because there was a no fault incident logged and placed on the claims and underwriting exchange (CUE) which immediately bumps up the premium even if flagged as no fault.  Perhaps I should not have informed my insurance company in the first instance.

Your premium could have increased for a host of reasons, more likely that your risk factor has increased.
 You mention that you couldn't confirm if you damaged the other car and therefore cannot confirm if you did not either.

KimJongUn88

Where is the fraud??
You clearly state in your own post that you don't know whether you hit their car or not. That therefore suggests you could have hit their car.  If it went to Court, what would you have based your defence on?  You could not say for definite that the incident did not occur. 
A claim was made on your policy based on this incident.  You do not know what amount was paid out and for what.  You therefore cannot state that this is fraud. 

Car_54

KimJongUn88 said:

Where is the fraud??
You clearly state in your own post that you don't know whether you hit their car or not. That therefore suggests you could have hit their car.  If it went to Court, what would you have based your defence on?  You could not say for definite that the incident did not occur. 
A claim was made on your policy based on this incident.  You do not know what amount was paid out and for what.  You therefore cannot state that this is fraud. 

The OP also said "They did not put a claim in to my insurers and I heard no more." The incident was logged simply because the OP reported it. If a claim had been made, it would not have been recorded as no fault.

Scrapit

Unicorn1095 said:

A couple of threatening characters stopped my car and claimed I had clipped their car with a boat hull that I had on my trailer when pulling away from a petrol station..  I don't know whether I did or not.  They pointed out a small dent on their car and offerred to accept £300 in cash to avoid any insurance claim.  I said I did not have that sort of money on me and gave them my email address and asked them to send me the offer and I would see what I could do.  I sent them my insurance details when they emailed me asking for money and informed my insurance company of what had happened.  They did not put a claim in to my insurers and I heard no more.  Nearly a year later my insurance premium has shot up because there was a no fault incident logged and placed on the claims and underwriting exchange (CUE) which immediately bumps up the premium even if flagged as no fault.  Perhaps I should not have informed my insurance company in the first instance.

I wouldn't have told the insurance company until the other party said they were gonna claim

Car_54

My policy requires notification of "any incident which may lead to a claim". The OP's is probably similar.

Scrapit

Car_54 said:

My policy requires notification of "any incident which may lead to a claim". The OP's is probably similar.

I would be surprised if mine isn't the same. I still wouldn't be telling em.

Car_54

Scrapit said:

Car_54 said:

My policy requires notification of "any incident which may lead to a claim". The OP's is probably similar.

I would be surprised if mine isn't the same. I still wouldn't be telling em.

So you're quite relaxed about committing fraud?

avoidtheupsidedownbottles

Not the point of the thread, but the petrol station could have probably supplied CCTV evidence.