Originally Posted by kwak zzr (Post 1935442)

its your driving/riding history you have to tell them.

Originally Posted by carty (Post 1937290)

I thought that the nature of third party insurance was that you didn't receive a penny from your own insurance for your vehicle even if someone else was at fault. If you are TPO or TPFT and involved in a collision with a third party (that's their fault) you will claim off their insurance. Your insurance will only cover the damage to their vehicle / them if it is your fault.

Your TPO or TPFT covers you for nothing to do with accidents, only the fire or theft part. And I would assume (same as Mr Speirs has) that it has obviously not been stolen and the fire element is surely to do with if it spontaneously combusts outside your house / in your garage or if someone sets it on fire. It can't be covered for a fire resulting from a crash that is your own fault (sorry Britney :p).