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Thanks for everyone's input and stories.
I'm just trying look at some quotes now and I'm still finding the wording used by the comaprison sites confusing and difficult. The main issue is the use of the word "claim".
Most initial questions are something like "Tell us about any incident/accidents or claims etc?" Which implies an accident may not involve a claim, but once you begin filling in the details there seems to be an assumption that a claim was made.
Go Compare offered a range of incident descriptions to select from and I was able to select "Incident - no claim", but that doesn't allow me to describe the incident as an accident or say it was my fault, and I am trying to be honest.
Compare The Market asks for "Motor accident or claim?" And everything is fine until it asks "What type of damage?"
The options are "Damaged - amount known", "No Damage", "Unknown", or "Write Off", with ho "help" info for that question.
I could put "Write off" as that's what my insurer wanted to do, but that's not what happened. Or I could put the price I paid for the repair, but if I choose "Damaged - amount known" it asks me to imput "the cost of the claim", but there was no claim. In the help section it says an "indication of the total cost of the incident" but there's no way to give that without also stating a claim was made.
The next question again refers to a claim being made asking "Was this claim made against your insurance policy, yes or no?" The "help" section says to answer yes if "you were the policy holder the claim was being made from". But again I did not make a claim, and answering either way would agree that a claim was made.
It's very frustrating, I want to enter the correct and honest information and avoid any potential insurance cancelation blacklisting, but I don't want to say I've made a claim when I've not. |
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