"ntvl" wrote in message
news:aZGdneT1bJBnNUraRVnytQA@bt.com...
> Thats why I see no point in telling them about an accident where there is
> no one to claim off, as you say, they can and do make all sorts of
> excuses, any excuse will do them to hike up the price of your insurance.
What "you see" is completely irrelevent. You signed up to an insurance
contract which obliges you to advise your insurer of all accidents (clamable
or not), all changes in circumstances, all convictions etc etc. Failure to
do so is called "material non-disclosure" and will result in the refusal to
pay any subsequent claims. As you have clearly failed to disclose the
information as a matter of deliberate choice (rather than due to an
oversight) you could concievably also be charged with driving whilst
uninsured (as you have knowingly failed to abide by the terms and conditions
of your insurance contract) and potentially even fraud (as the insurance was
obtained/sustained by deception).
The insurance company use information on all accidents (not merely the
"claimable" ones) to calculate the premium rates. If you are involved in a
succession of non-claimable accidents the insurance company's actuaries
might deduce that the area in which you live/work/travel is more dangerous
than they had previously suspected and therefore constitutes a higher risk,
which the premiums should reflect.
How would they find out? Well anything that was paid for by another
insurance company will be on the database, with your name, address and
registration numbers as a searchable key. Also any accidents which came to
the attention of the police (claimable or not) will be on an accessible
database keyed to your name, address, registration number, driving license
number, insurance policy details etc.
If you can't grasp these simple things then you should surrender your
license on the grounds that you are too stupid to be trusted with control of
a car.
PDR
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