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Whether or not you decide to be "economical" with the truth, it might be worth bearing the following in mind.

I had my garage burgled 14 months ago.

I had to pay the excess on my policy; the claim amounted to about £1300 of power tools and my underwater camera kit.
The excess was £75.

Subsequent to having to pay the excess my premium then went up at renewal time (August), my excess also went up (£100).

I voted with my feet and discovered that the majority of Insurance companies were not prepared to offer a quote as I had made a contents claim within the last 12 months.

All this adds up, so consider the TRUE cost of claiming.

The problem, as I see it, is that a vicious circle exists:

Premiums high so people 'over' claim.
Premiums rise because people 'over' claim.

Regards,

David.
 
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