You'll be telling them about the break-in surely-even if you don't claim???
They may not be best pleased about the car being unlocked though....
|
|
|
You'll be telling them about the break-in surely-even if you don't claim???
do that and your premium goes up next year becuase you are a higher risk
|
i've long had a saying that could be applied here, but i use it in my work.
management are are on a need to know basis and what they need to know is as little as possible.
|
There's no break in to report to them, he left the doors unlocked, someone opened one of them and helped themselves to his sat nav, I would certainly not be telling them if it were me! The car was surely undamaged or harmed in any way?
|
I won't be telling insurance although the car does now have a crime number against it. Although I have fully comp (no price difference) the only time I will use insurance is if I have an accident.
The only reason I have is because its a legal requirement.
|
I would be very wary about not reporting this incident. If the incident has a crime number & the OP is asked about any incident involving himself or his car, surely it would be cause for invalidation if not revealed?
After all, if the insurance covers theft from the vehicle (which my comprehensive cover certainly does..) then the theft becomes a material fact in any future disclosure when applying for insurance (even if not claimed for)?
|
The crime details held by the Police are not entered onto the MIB database, therefore no need to worry about it, unless they knew specifically to go and ask about the incident (which they wouldn't as it isn't on the database) then they would never find out about it.
Reporting this would just mean handing over even more money to his insurers than he already does.
|
The crime details held by the Police are not entered onto the MIB database, therefore no need to worry about it...
Oh no? There are lots of facts about our circumstances that aren't held on the MIB database - the simple wager is: if you take out insurance & make a claim & haven't disclosed any & all material facts your claim could be void. I wouldn't be quite so sanguine about advising that course of action.
|
Reporting this would just mean handing over even more money to his insurers than he already does. >>
By not reporting a crime involving his car, he is withholding material facts from his insurer.
They are therefore unable to work out whether his premium is high/low/adequate for the risk that they are covering.
In my mind, Blue's (and other similar) advice is akin to that given in a sermon recently by Rev Tim Jones of St Lawrence and St Hilda in York.
|
|
I am sorry I phoned the police now .
|
In my mind Blue's (and other similar) advice is akin to that given in a sermon recently by Rev Tim Jones of St Lawrence and St Hilda in York.
Each to their own but I think the situations are hugely different.
|
|
