I'd have kept quiet about the keying incidents, especially as you sorted them yourself. And I doubt I would have reported it to the police - it's just another statistic.

I would have notified your insurer that it was no longer kept at your home address overnight, but stressed it was now safer - they may not have viewed it that way though and therefore would shop around to find an insurer that looked on it more favourably come renewal time.

Charming!

Well if you have worked in the Insurance industry for more than my 30+ years then I defer to your superior knowledge. If not.....

Lets try some common sense here. Taking your example. A car park ding is in orders of magnitude very different from suffering a case of vandalism causing potentially hundreds of pounds damage.

Small ding - don't bother.

Keying necessitating over say £75 of your cash to get it repaired, then it's in your interest to be scrupulously honest with your insurance company and report it. If they find out that you've sufffered damage before in the same circumstances as your current (much larger )claim and as the OP had, you have reported it to the Police but not to the company.

Don't you think any insurance company if they find this out will not seek to minimise their outgoings? Do you really think Insurance companies are by nature, kind, forgiving and generous? Thats an interesting notion that I have no desire to try for myself. good luck to you on that one.