Theft and accesses

Herzlos

You're just claiming for the broken window and not the stolen contents? Then it'd just be damage.

Homer_home

I wouldn't even be bothering with the insurance claim , just buy the glass and fit it yourself, won't work out much difference and saves the hike in insurance premiums for the next five years 

Car_54

Homer_home said:

I wouldn't even be bothering with the insurance claim , just buy the glass and fit it yourself, won't work out much difference and saves the hike in insurance premiums for the next five years 

Encouraging the OP to commit fraud is a clear breach of the forum's rules.

Car_54

[Deleted User] said:

Homer_home said:

I wouldn't even be bothering with the insurance claim , just buy the glass and fit it yourself, won't work out much difference and saves the hike in insurance premiums for the next five years 

Encouraging the OP to commit fraud is a clear breach of the forum's rules.

And indeed is itself an offence under the Serious Crime Act 2007.

DiddyDavies

But did Homer_home actually encourage the OP to commit insurance fraud?
All they stated was that it might be a good idea for the OP to buy the glass and fit it themselves and not to bother making an insurance claim.
Now, if they had stated not to advise the insurance company of the incident then yes, that would be fraudulent but they didn't state or imply this. You might assume that's what they meant but you assuming something might not mean that is what they meant.

[Deleted User]

[Deleted User] said:

Homer_home said:

I wouldn't even be bothering with the insurance claim , just buy the glass and fit it yourself, won't work out much difference and saves the hike in insurance premiums for the next five years 

Encouraging the OP to commit fraud is a clear breach of the forum's rules.

How is it encouraging fraud to advise the OP not to make a claim for damages and repair yourself - something thousands of people do every year? If someone scratches my car, should I make a claim on the insurance to get them to pay it, or buy some t-cut and do it myself... 

DiddyDavies

Deleted_User said:

How is it encouraging fraud to advise the OP not to make a claim for damages and repair yourself - something thousands of people do every year? If someone scratches my car, should I make a claim on the insurance to get them to pay it, or buy some t-cut and do it myself... 

Not claiming isn't fraudulent but not advising their insurance company of the damage is.
This is because their insurance policy will require that they advise their insurers of any loss or damage to the vehicle.
Stone chips are part and parcel of everyday driving and no one would expect you to tell your insurers about them but malicious damage and vandalism are different as these could well affect your premium. 

Car_54

DiddyDavies said:

But did Homer_home actually encourage the OP to commit insurance fraud?
All they stated was that it might be a good idea for the OP to buy the glass and fit it themselves and not to bother making an insurance claim.
Now, if they had stated not to advise the insurance company of the incident then yes, that would be fraudulent but they didn't state or imply this.

He certainly implied not advising the insurer, saying it "saves the hike in insurance premiums for the next five years".

DiddyDavies

Car_54 said:

He certainly implied not advising the insurer, saying it "saves the hike in insurance premiums for the next five years".

Implying something is not the same as encouraging fraud.
A few years ago, someone smashed my door mirror when driving past and they didn't stop.
As this only cost about £60 to replace (it wasn't an electric mirror), I didn't make an insurance claim. I did however inform my insurers about it just on the off chance the other driver put in a claim and stated that I drove into their mirror.
The annual increase in my premium? Nothing.

williamgriffin

DiddyDavies said:

Car_54 said:

He certainly implied not advising the insurer, saying it "saves the hike in insurance premiums for the next five years".

Implying something is not the same as encouraging fraud.
A few years ago, someone smashed my door mirror when driving past and they didn't stop.
As this only cost about £60 to replace (it wasn't an electric mirror), I didn't make an insurance claim. I did however inform my insurers about it just on the off chance the other driver put in a claim and stated that I drove into their mirror.
The annual increase in my premium? Nothing.

But at the time I bet you weren't a young driver who's mum runs to the interweb when it's his fault.