Will the other two companies not be the same? That's a joke by the way, so how long do you have to be fully comp before they reckon you're committing fraud? C*nts.
Tell 'the wench' I said thanks for the info! Cheers buddy.
Your committing fraud whenever because at the time you got the chip you either wasn't covered by insurance due to being covered by third party only or not at all or you didn't address the problem at the time it happened.
Its kinda viewed upon as an accident, whether or not your car is damaged you still have to declare it to your insurance company.
The other 2 companies are not the same they are independant. It works by each company gaining the windscreen cover rights of insurance companies in order to generate business, not the text book explanation but you know what i mean and they don't talk to each other over logged phone calls etc like the case for this thread.
Its not them being c*nts as such its more them keeping there heads above water and within the law because the consequences for them are pretty major compared to a telling off a customer would get from the law.
Just declare em when they happen if your fully comp, if your not get fully comp then declare it and then there's no evidence to suggest the chip/crack didn't happen after you became fully comp! The system needs to be played sometimes, just gettin some of your inflated premiums back due to uninsured bell end drivers IMO without losing NCB
