Quote:
Originally Posted by Stephen Edwin
Can one validly, legally, honestly claim on insurance for pre-existing damage?
Stephen
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It wasn't pre-existing when i decided to insure it.
Your query though raises a huge question of ethics over the insurance industry as a whole though. Think about premium increases when you haven't had a claim allegedly because more people are having accidents more often. If you haven't had a claim then why should you pay for those that have? Tit-for-tat in some ways.
Bottom line is we as motorists expect to be ripped off by insurers and for the most part we are. It's a mandatorily legal form of gambling. We don't get our stake back or any other reward once the bet is complete though. Just an "invite" to renew the bet with (generally) a higher stake each year, regardless of our driving history. However if there's a blot on the landscape of that history, it enlarges the stake increase.