Tyre destroyed by pothole. Claim company asking for my insurance?

Adamc

I've raised a claim to be reimbursed for a tyre I blew out on a pothole. I know not to hold my breath. The claims company Zurich are asking for my insurance details. Is this justified and necessary? I've just renewed so will they want my previous insurer or current? It was my previous insurer covering me at the time of damage so I'm assuming their's would be the details required. 

DullGreyGuy

You are obliged to tell your insurers of all incidents, did you inform your old insurer and/or your new insurer?

You may well find that they will be intending to let them know for you, your old insurers may not be so interested but your new insurers would be very interested in your false declaration if you didn't mention the incident when getting the quote.

In theory if you dont provide them then their systems would be able to pull them from MID however not sure the exact terms of MID and if this would be an allowable reason to access it

Adamc

I actually didn't tell my insurer as I didn't know it was required. I just got the tyre swapped. Is there any merit in aborting the claim or sticking with it? I'm assuming they'll register it still?

Car1980

Just send them your old insurance details. 

Doesn't affect your new lot - you gave them all the details for the policy in good faith.
https://www.moneysavingexpert.com/reclaim/pothole-claims/
No mention of notifying your insurer in the guide is there?

user1977

Car1980 said:

https://www.moneysavingexpert.com/reclaim/pothole-claims/
No mention of notifying your insurer in the guide is there?

Er, yes there is, there's a whole section about it.

LightFlare

Playing Devils Advocate - the guide does use the word “consider” not “you must”

Car_54

LightFlare said:

Playing Devils Advocate - the guide does use the word “consider” not “you must”

Indeed. Y0u should always "consider" before commiting a crime.

marcia_

Car_54 said:

LightFlare said:

Playing Devils Advocate - the guide does use the word “consider” not “you must”

Indeed. Y0u should always "consider" before commiting a crime.

 A crime! Really 

Car_54

marcia_ said:

Car_54 said:

LightFlare said:

Playing Devils Advocate - the guide does use the word “consider” not “you must”

Indeed. Y0u should always "consider" before commiting a crime.

 A crime! Really 

Really. Fraud. Defined as making a gain by failing to disclose information. 'Gain' is defined to include avoiding a loss, which is the only reason for anyone knowingly not to advise their insurer of an incident,

LightFlare

The way I read the guidance is that there may be no requirement or obligation to inform an insurance company, but the inference is that you should consider doing it.

Otherwise, the wording  could be “re-consider NOT informing them” if the suggestion is that you should

There is a lot in the interpretation of that guidance (much like a lot of the info on this site)

The only way to get a100% accurate answer is to read your policy docs and/or speak to the ins company. The requirements may well differ between them.

MattMattMattUK

The reason is that the council will report hitting thr pot hole to your insurance as an at fault accident, which is what it legally is, you will be regarded as having had an accident that was your fault. Generally the implications of that, together with the very limited circumstances you can claim from a council or thr Highways Agency for damage mean that it is almost never worth trying to claim. 

As for the insurance companies, they regard hitting a pot hole in a way that causes damage and it is and expect it to be reported to them as an at fault accident, they do not differentiate between you hitting a pothole, a kerb, or a tree.