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

DullGreyGuy

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 

The OP has admitted when asked "have you been involved in any incident irrespective of if you claimed or not" that they didn't admit this incident... that's the basic definition of fraud which has been a crime for centuries  

marcia_

DullGreyGuy said:

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 

The OP has admitted when asked "have you been involved in any incident irrespective of if you claimed or not" that they didn't admit this incident... that's the basic definition of fraud which has been a crime for centuries  

 But it isn't about declaring for new insurance but reporting after an incident with current insurance 

Adamc

I never considered it an accident as such. Now i've started a claim will this go against me if I drop it? I'm miffed but what is the point in claiming if you'll be worse off in the long run. Maybe if £1000s worth of damage was done then yeah but for £150. 

DullGreyGuy

marcia_ said:

DullGreyGuy said:

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 

The OP has admitted when asked "have you been involved in any incident irrespective of if you claimed or not" that they didn't admit this incident... that's the basic definition of fraud which has been a crime for centuries  

 But it isn't about declaring for new insurance but reporting after an incident with current insurance 

But it is about declaring it for the new insurance which would be fraudulent if the OP hasn't declared it. If the council contact the OPs old insurer then they will put it on CUE against the OP which their new insurers are likely to pick up at some point as a mismatch to what the OP declared. 

Adamc said:

I never considered it an accident as such. Now i've started a claim will this go against me if I drop it? I'm miffed but what is the point in claiming if you'll be worse off in the long run. Maybe if £1000s worth of damage was done then yeah but for £150. 

So you hit it intentionally? The question asked however is much broader than just "accidents" as that wouldnt cover thefts or vandalisms. Below for example is the wording from Confused.com of how they ask

Have any drivers had any motor accidents or claims in the last 5 years?

This includes any incidents, losses, thefts or claims involving a vehicle regardless of fault or whether you claimed or not.

On the basis you are making a claim against the council you clearly do consider that you've had a loss involving a vehicle and so failure to declare would be fraud. 

The correct thing to do is to inform your new insurers that you "forgot" to mention it and hope that as you've been proactive and owned up to your error that they simply adjust the policy and recalc the premium which may not result in any movement. Alternatively you continue to "forget" about it and risk your policy being voided at some point in the future. There is an argument that any increase in premium for the incident could be included in your claim against the council, though not any admin fee for late reporting. 

There are multiple threads on here from people who's insurers only discovered the false declarations after a fault accident leaving them with bills that wont get much change from £100,000 - plus UK bankruptcy law prevents monies due for injuries from an RTA being written off so no escape that route. 

Adamc

So i need to declare this every time i renew for the next 5 years?

Adamc

Just called the new insurer who advised me not log it ... ? Unsure of what to do now?

subjecttocontract

So if you hit or scrape a kerb, damage your wheel rim, (which in my case the cost of the repair is covered under an additional warranty from the car manufacturer who will arrange the repair ), you are suggesting that should be reported to your car insurance ?

What about a situation where you drive over a 'pothole' and you don't damage the wheel but a wheel sensor fails. You take the car to the dealer and the dealer offers to pay for the repair in full even though you expected to pay yourself ? Should that be reported to the car insurers ?

Adamc

subjecttocontract said:

So if you hit or scrape a kerb, damage your wheel rim, (which in my case the cost of the repair is covered under an additional warranty from the car manufacturer who will arrange the repair ), you are suggesting that should be reported to your car insurance ?

What about a situation where you drive over a 'pothole' and you don't damage the wheel but a wheel sensor fails. You take the car to the dealer and the dealer offers to pay for the repair in full even though you expected to pay yourself ? Should that be reported to the car insurers ?

I think it's the fact I've submitted a claim to the council for the cost of the tyre.

DullGreyGuy

Adamc said:

Just called the new insurer who advised me not log it ... ? Unsure of what to do now?

Make a note of the date/time and ideally name of the person you spoke to and the number you called from and to. Hopefully you never need it but if something does come up in the future and they say they dont have a record of it then you can point to the conversation you had... your job is to tell them about it, what they do with that information is their problem. 

subjecttocontract said:

So if you hit or scrape a kerb, damage your wheel rim, (which in my case the cost of the repair is covered under an additional warranty from the car manufacturer who will arrange the repair ), you are suggesting that should be reported to your car insurance ?

What about a situation where you drive over a 'pothole' and you don't damage the wheel but a wheel sensor fails. You take the car to the dealer and the dealer offers to pay for the repair in full even though you expected to pay yourself ? Should that be reported to the car insurers ?

I'm saying you should answer all questions honestly and truthfully... you need to read the question and the helper text to ensure you understand the question properly. You are the one that will have to defend why you answered "no" to the question if the insurer believes you should have said "yes". Just remember the consequence under CIDRE for an intentional or reckless misrepresentation is a voided policy and the insurer keeping the premiums irrespective of if they would have insured you had you given an honest answer. 

If you think its bad for Motor then its 100x worse for Home where people do spill the occasional drop of tea/wine on a carpet or chip a bowl.

Ectophile

subjecttocontract said:

So if you hit or scrape a kerb, damage your wheel rim, (which in my case the cost of the repair is covered under an additional warranty from the car manufacturer who will arrange the repair ), you are suggesting that should be reported to your car insurance ?

What about a situation where you drive over a 'pothole' and you don't damage the wheel but a wheel sensor fails. You take the car to the dealer and the dealer offers to pay for the repair in full even though you expected to pay yourself ? Should that be reported to the car insurers ?

Realistically, if it's a minor dink and nobody else is involved. Then it never happened.

The moment you start claiming money off someone else for damage to your car, while at the same time telling your insurer that the car hasn't been in an accident, then something dishonest is going on.

In your second case, it was obviously a faulty wheel sensor, not an accident.