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:shrug:

And then in a few years time you have another claim, and mention this incident to your insurer which you have not previously advised them. Your insurer then stops your current claim to fully investigate why you failed to disclose the previous claim, which you are required to report to them to...

From working in the insurance industry and having an understanding of how motor insurance premiums are calculated. If you look at very large data amounts, you will see that people that make claims regardless of fault are more likely than those that don't to have a further claim in the next few...