Informing insurers of repairs, self-paid?

PunkRoquefort

Do you tell your insurers of any bumps/scrapes/repairs which you have paid for yourself and not claimed for.

I have recently had a claim/repairs and during the phone call, was asked and said I had also had a minor bump, paid by myself.

They still required details, as it builds up a picture of my driving.

Brie

All incidents/accidents need to be reported to your insurance no matter how a claim is handled (or not).  To not do so may invalidate the policy.

My understanding is that if you had a relatively minor bump you may not be aware of some of the damage and it may not be repaired.  Then you have a bigger bump and it becomes something really major due to some issue from the first bump.

That all said, I doubt more than about 5% of the population reports every single tiny bump/scrape.  I didn't report anything when I scraped my car against my neighbour's fence post (no damage to the post, small bit of missing paint from my car).  I also didn't report the almost accident when a chap came too fast out of a side street and "almost" hit my car.  Well he did in fact hit it but it was a case of him swerving and just clipping my wing mirror.  Again - just a bit of paint missing so no issue.   

sheslookinhot

So you are stating that ALL  incidents / accidents need to be reported to the insurance company, yet then confirming you never reported to your insurance 2 incidents of your own ? 

Perhaps you should not be telling people to be reporting minor incidents when no third party is involved.

paul_c123

PunkRoquefort said:

Do you tell your insurers of any bumps/scrapes/repairs which you have paid for yourself and not claimed for.

I have recently had a claim/repairs and during the phone call, was asked and said I had also had a minor bump, paid by myself.

They still required details, as it builds up a picture of my driving.

Are you sure it wasn't previous damage on the car before you bought it, that you've recently noticed and decided to repair for cosmetic reasons?

ohreallƳ

I would think twice before disclosing this information. 

As @paul_c123 suggests, wasn't the damage pre-existing and only noticed post purchased and self repaired.

MyRealNameToo

sheslookinhot said:

So you are stating that ALL  incidents / accidents need to be reported to the insurance company, yet then confirming you never reported to your insurance 2 incidents of your own ? 

Perhaps you should not be telling people to be reporting minor incidents when no third party is involved.

A case of do as I say not as I do.

Ultimately the requirement is that you report all cases. The reality is that people dont however plenty of people have found themselves facing massive bills when the insurer finds out about minor incidents that haven't been declared when a major loss occurs. 

Nasqueron

sheslookinhot said:

So you are stating that ALL  incidents / accidents need to be reported to the insurance company, yet then confirming you never reported to your insurance 2 incidents of your own ? 

Perhaps you should not be telling people to be reporting minor incidents when no third party is involved.

Read the terms, 99.9% it will say to inform them. Third party involvement is irrelevant - think about it from their side, person X is a bad driver who hits things and causes damage, they need to calculate this in their premiums for the time person X hits something expensive

sheslookinhot

Nasqueron said:

sheslookinhot said:

So you are stating that ALL  incidents / accidents need to be reported to the insurance company, yet then confirming you never reported to your insurance 2 incidents of your own ? 

Perhaps you should not be telling people to be reporting minor incidents when no third party is involved.

Read the terms, 99.9% it will say to inform them. Third party involvement is irrelevant - think about it from their side, person X is a bad driver who hits things and causes damage, they need to calculate this in their premiums for the time person X hits something expensive

Perhaps you have quoted the wrong person. I was merely pointing out the inconsistencies with a response to the OP.

Third party involvement is not irrelevant.

Grey_Critic

The question really is how good were the self paid repairs? Had a case of a Rear Bumper falling off after a minor rear end shunt and a back street repair.  Investigation showed it had a prior repair due to a rear end shunt. Had repainted it but not removed and checked bumper mountings which had cracked. The second repair was refused by the insurer.

I had a warranty repair on a Ford Escort where they [ointed out a prior repair to the door. As it happened the warranty repair was npt effected. 

We get lots of posts on here over time about prior problems so the insurers are no different - why should they pay for shoddy workmanship

Nasqueron

sheslookinhot said:

Nasqueron said:

sheslookinhot said:

So you are stating that ALL  incidents / accidents need to be reported to the insurance company, yet then confirming you never reported to your insurance 2 incidents of your own ? 

Perhaps you should not be telling people to be reporting minor incidents when no third party is involved.

Read the terms, 99.9% it will say to inform them. Third party involvement is irrelevant - think about it from their side, person X is a bad driver who hits things and causes damage, they need to calculate this in their premiums for the time person X hits something expensive

Perhaps you have quoted the wrong person. I was merely pointing out the inconsistencies with a response to the OP.

Third party involvement is not irrelevant.

I quoted your post saying

"Perhaps you should not be telling people to be reporting minor incidents when no third party is involved."

I am aware you are pointing out the hypocrisy but it still needs to be made clear as that statement could be misunderstood