Question with insurance incident/claim

Jas8

DullGreyGuy said:

Jas8 said:

DullGreyGuy said:

cw8825 said:

Are you sure that single incident is the reason you are 'struggling' to get insurance?

If you look like a good risk to the insurance companies an incident from 3 year ago should not be making that much difference on policy price 

failing to declare an incident that everyone can see on CUE is going to make it more difficult to get insurance as more insurers are doing live checks rather than post bind checks. 

Jas8 said:

 Admiral say oh that it was an incident and needs to be declared. Now I have been taking out insurance since then until now and never declared it nor had an issue but now I am

I need to know where I stand and if I can get this removed as my insurance has gone up and I’m struggling to find insurance due to this. 

Admiral are correct and you have been committing fraud by answering "no" when you were asked if you've been involved in any accident or incident irrespective of if you have claimed. Insurance is a contract of utmost good faith, insurers dont like giving good faith to those who have a history of fraud.

Go read any comparison site: 

Have you had any motor accidents, claims or losses in the last five years?

This is regardless of who/what was at fault or if a claim was made or not. If you don’t tell your insurer about previous accidents, claims or losses, your car insurance may not pay out if you make a claim.

Nothing stated “incidents”. Care to describe the difference between an incident and claim mate.

Admrial state I do not need to declare this on there insurance so don’t understand why I have to on every other insurance.

What would you call the theft of your cat convertor if not a loss?

An incident is a specific event or occurrence, whilst a claim is a formal request for compensation or payment related to that incident. 

Did I get compensation - no!
Did admiral mark it as a claim when I got my NCB for that year despite unprotected - no!

Jas8

And if this is fraud, why are Admiral stating I do not need to declare it on there own insurance sites as it’s an incident and not claim… 

DullGreyGuy

They won't impact your NCD because they didnt payout on a claim doesnt mean you didnt suffer a loss that has to be declared irrespective of if you claimed or not.

Aretnap

Jas8 said:

DullGreyGuy said:

cw8825 said:

Are you sure that single incident is the reason you are 'struggling' to get insurance?

If you look like a good risk to the insurance companies an incident from 3 year ago should not be making that much difference on policy price 

failing to declare an incident that everyone can see on CUE is going to make it more difficult to get insurance as more insurers are doing live checks rather than post bind checks. 

Jas8 said:

 Admiral say oh that it was an incident and needs to be declared. Now I have been taking out insurance since then until now and never declared it nor had an issue but now I am

I need to know where I stand and if I can get this removed as my insurance has gone up and I’m struggling to find insurance due to this. 

Admiral are correct and you have been committing fraud by answering "no" when you were asked if you've been involved in any accident or incident irrespective of if you have claimed. Insurance is a contract of utmost good faith, insurers dont like giving good faith to those who have a history of fraud.

Go read any comparison site: 

Have you had any motor accidents, claims or losses in the last five years?

This is regardless of who/what was at fault or if a claim was made or not. If you don’t tell your insurer about previous accidents, claims or losses, your car insurance may not pay out if you make a claim.

Nothing stated “incidents”. Care to describe the difference between an incident and claim mate.

Admrial state I do not need to declare this on there insurance so don’t understand why I have to on every other insurance.

Different insurers address risk differently and care about different things. Why do some insurers ask about claims in the last 5 years and others only ask about the last 3 years? Why do some insurers raise premiums for a no fault claim or a single speeding ticket and others don't? 

Ultimately you have to answer the questions that you are asked, not the questions that you think you ought to be asked. If you hover over the word or the icon next to the question on a comparison site it should give you a definition of terms like "loss" or "incident", but having a valuable part of your car like a catalytic converter nicked is going to meet pretty much any definition of "loss". How much an insurer actually cares about that loss is going to vary from insurer to insurer.

If it's that important, and if Admiral say you didn't have to declare it to them, why not just insure with Admiral?

sheramber

Jas8 said:

sheramber said:

Jas8 said:

sheramber said:

Your policy normally says you must report any incident, whether you claim. Or not.

Who did you insure with in 2923 and 2024?

bmw insurance, Hastings, elephant, loads of insurances. 

Lots of different companies in two years?

Own 4 different cars mate. 

Obviously the question referred to the case in question. 

sheramber

Jas8 said:

And if this is fraud, why are Admiral stating I do not need to declare it on there own insurance sites as it’s an incident and not claim… 

But you said earlier

it. Admiral say oh that it was an incident and needs to be declared

Jas8

sheramber said:

Jas8 said:

And if this is fraud, why are Admiral stating I do not need to declare it on there own insurance sites as it’s an incident and not claim… 

But you said earlier

it. Admiral say oh that it was an incident and needs to be declared

They said this to other insurers but said I do not need to put it down as a claim on there insurance. I called AA insurance and they said they’ll put a note on as an incident and change from claim to an incident. That’s what I don’t understand, if the insurance company whom has marked it as a claim is saying I don’t need to declare it on there insurance why do I have to on others?

Jas8

sheramber said:

Jas8 said:

sheramber said:

Jas8 said:

sheramber said:

Your policy normally says you must report any incident, whether you claim. Or not.

Who did you insure with in 2923 and 2024?

bmw insurance, Hastings, elephant, loads of insurances. 

Lots of different companies in two years?

Own 4 different cars mate. 

Obviously the question referred to the case in question. 

No you just said lots of different companies in two years and when you asked before who did I insure with during the period I was not sure as the car that had the cats stolen was sold. Hence didn’t know what answer you wanted 

Jas8

Aretnap said:

Jas8 said:

DullGreyGuy said:

cw8825 said:

Are you sure that single incident is the reason you are 'struggling' to get insurance?

If you look like a good risk to the insurance companies an incident from 3 year ago should not be making that much difference on policy price 

failing to declare an incident that everyone can see on CUE is going to make it more difficult to get insurance as more insurers are doing live checks rather than post bind checks. 

Jas8 said:

 Admiral say oh that it was an incident and needs to be declared. Now I have been taking out insurance since then until now and never declared it nor had an issue but now I am

I need to know where I stand and if I can get this removed as my insurance has gone up and I’m struggling to find insurance due to this. 

Admiral are correct and you have been committing fraud by answering "no" when you were asked if you've been involved in any accident or incident irrespective of if you have claimed. Insurance is a contract of utmost good faith, insurers dont like giving good faith to those who have a history of fraud.

Go read any comparison site: 

Have you had any motor accidents, claims or losses in the last five years?

This is regardless of who/what was at fault or if a claim was made or not. If you don’t tell your insurer about previous accidents, claims or losses, your car insurance may not pay out if you make a claim.

Nothing stated “incidents”. Care to describe the difference between an incident and claim mate.

Admrial state I do not need to declare this on there insurance so don’t understand why I have to on every other insurance.

Different insurers address risk differently and care about different things. Why do some insurers ask about claims in the last 5 years and others only ask about the last 3 years? Why do some insurers raise premiums for a no fault claim or a single speeding ticket and others don't? 

Ultimately you have to answer the questions that you are asked, not the questions that you think you ought to be asked. If you hover over the word or the icon next to the question on a comparison site it should give you a definition of terms like "loss" or "incident", but having a valuable part of your car like a catalytic converter nicked is going to meet pretty much any definition of "loss". How much an insurer actually cares about that loss is going to vary from insurer to insurer.

If it's that important, and if Admiral say you didn't have to declare it to them, why not just insure with Admiral?

Because I have a family policy with them, they allowed 120 day temp cover and for summer I like to drive my M performance cars, I’ve used them up now. Often these two cars are stored in my garage but as I have used up the 120 days and plan to go abroad in them I need full cover, they are offering me £500 until October for the m3 but they won’t insure the m5. Hence my issue. 

Jas8

Aretnap said:

Jas8 said:

DullGreyGuy said:

cw8825 said:

Are you sure that single incident is the reason you are 'struggling' to get insurance?

If you look like a good risk to the insurance companies an incident from 3 year ago should not be making that much difference on policy price 

failing to declare an incident that everyone can see on CUE is going to make it more difficult to get insurance as more insurers are doing live checks rather than post bind checks. 

Jas8 said:

 Admiral say oh that it was an incident and needs to be declared. Now I have been taking out insurance since then until now and never declared it nor had an issue but now I am

I need to know where I stand and if I can get this removed as my insurance has gone up and I’m struggling to find insurance due to this. 

Admiral are correct and you have been committing fraud by answering "no" when you were asked if you've been involved in any accident or incident irrespective of if you have claimed. Insurance is a contract of utmost good faith, insurers dont like giving good faith to those who have a history of fraud.

Go read any comparison site: 

Have you had any motor accidents, claims or losses in the last five years?

This is regardless of who/what was at fault or if a claim was made or not. If you don’t tell your insurer about previous accidents, claims or losses, your car insurance may not pay out if you make a claim.

Nothing stated “incidents”. Care to describe the difference between an incident and claim mate.

Admrial state I do not need to declare this on there insurance so don’t understand why I have to on every other insurance.

Different insurers address risk differently and care about different things. Why do some insurers ask about claims in the last 5 years and others only ask about the last 3 years? Why do some insurers raise premiums for a no fault claim or a single speeding ticket and others don't? 

Ultimately you have to answer the questions that you are asked, not the questions that you think you ought to be asked. If you hover over the word or the icon next to the question on a comparison site it should give you a definition of terms like "loss" or "incident", but having a valuable part of your car like a catalytic converter nicked is going to meet pretty much any definition of "loss". How much an insurer actually cares about that loss is going to vary from insurer to insurer.

If it's that important, and if Admiral say you didn't have to declare it to them, why not just insure with Admiral?

Forgot to mention that it’s my age also that doesn’t help for that not sure what difference it makes for a 4L to 5L but okay, found £240 a month for time being which I’ll probably take out.