When I renewed my car insurance I also took out a specialist uninsured loss recovery insurance. Having recently damaged a tyre and wheel in a pothole I wondered if the specialist would pursue the council. When I rang up to see what they could do I explained that I was making an inquiry, I was not making a claim and that I did not want the matter added to my claim record. They said they would not take on the council. Later, I was surprised to receive a letter from my car insurer saying that they had noted my incident. I complained to the specialist but he said the insurer would not remove the incident from their records and that I had a duty to disclose material facts. As a consequence of this my next renewal premium is likely to rise. Is this reasonable, when I had specifically requested that the matter should not be added to my record?