Lime bike damaged our car

Flight3287462

unholyangel said:

Put it this way, even if you can justify not telling your current insurer....when it comes to renewal and they ask if there have been any incidents, whether they resulted in a claim or not....answering falsely to that question is no different to giving a different name, date of birth, stating social only when you're using it to commute etc. 

So do you report all the examples I gave in my previous post to your insurer?

Sandtree

Gavin83 said:
I think it's a massive stretch to call this insurance fraud. Fraud requires you to intentionally deprive a person of business of it's money by dishonest means and given how regardless of what you do you won't receive money from the insurance company (or owe them any) I don't see how that applies here. I do agree that you're breaking the terms of your contract though.

Saying that I think someone would be crazy to inform their insurers of such an incident but each to their own.

Its a breach of contract in the first instance and becomes fraud when you renew or buy another policy without declaring the incident as motor insurers universally ask about incident irrespective if you claimed or not.

Obviously you dont tell them because you fear they’ll charge you more and as such it meets your requirement of fraud because you intentionally deprive the business of its money by dishonesty.

If you are going to do a weird “oh I meant don’t tell them now but tell them in X months time at renewal” then a) I’d challenge thats what you meant and b) what possible benefit is there of waiting X months and increasing the risk of you forgetting about it but your insurers finding out via the bikes insurers etc?