huytonman

It was a chip repair and I contributed a nominal £10 to it which was what the policy required - interestingly I had the renewal through for the policy that I made the claim against and its dropped on last year and no reduction in my no claims duration (so they clearly didnbt consider it to be important). In summary either handle it yourself, ignore it and hope its not noticed (I dont think my Boxster insurer had noticed unlike Carole Nash with the mini cover) or fess up and take the hit - in future my decision will be to pay out of my own pocket - unless its a screen replacement which is an expensive route. Keith

I've just switched insurers for my wifes mini and my 987S - when completeting the application I ticked the no claims in the last 5 years box for both of us. Surprisingly, a few days later Carole Nash demanded an extra premium contributuion for the mini of ~70% because I hadnt disclosed a claim from another policy held on my daily car. They said that I had claimed for damage in the past 12 months and checking the date I found that it coincided with a windscreen repair. I hadnt considered disclosing a windscreen chip repair (I had forgotten about it and also thought it wasnt relevant) and after getting a confirmation from my other insurer that the claim was only related to glass repair Carole Nash very generously (not really) only demanded an extra 40% to the original quote which I declined to pay so cancelled the policy. I found somebody else who charged me £20 more than the original Carole Nash quote and also went back to the Boxster broker to tell them about the screen claim - they also added ~£20 to their original price. Lesson learned about disclosure and also for a trvial claim like a windscreen repair I would have been better off paying in full out of my own pocket...I'm now stuck with this for the next 5 years! Keith