Insurance Minefield, do I need to declare?

[Commuter_Tim]

So about a year back, some dickhead stole my bike and dumped it in a bush down the street...
Patricia Popo couldn't wake me up with my earplugs in, so she called the Insurance.
My insurer then tried to start a theft claim on a TPO policy

Despite very sage BCF advice, I got complacent and didn't follow up with the complaint.
Ignored the entire matter hoping it would go away, and it did.

Now it comes to getting a new policy, I want to be above board, but the following question I don't know how I should answer:
https://cdn.bcf.44bytes.net/files/loss.jpg

It's the bit about "...or if a claim is made" that makes me think I might be screwed, how do I stay legal but not fuck myself?

I should add, I got my 1 yr NCB notification in the renewal reminder.
However I wonder is a claim seperate from a loss and I'm obliged to detail it?
Is it still a "loss" if I got it back? (at a ransom)
____________________
The above post is most likely nonsensical.

I ride a Bandit 600... badly.

[defblade]

[arry]

Accident? No
Claims? No
Losses? No

So no then.

[Rogerborg]

[Wafer_Thin_Ham]

[Rogerborg]

[arry]

[M.C]

Try it, they'll soon let you know if you're wrong

[Alpineandy]

You didn't mention if it was for another TPO policy, but as arry says, NO.
____________________
The above comment isn't necessarily the truth and anyone that says it is, is only correct if it's the truth or they're bigger than me.

[Wafer_Thin_Ham]

[Commuter_Tim]

[M.C]

They might do, or they might as with polarbear's daughter () cancel the policy, although I believe that was for incorrectly declaring an accident.

[Commuter_Tim]

[arry]

CIDRA 2012 disclosure and misrepresentation.
https://www.mills-reeve.com/mulling-over-cidra/

Deliberate versus careless the important marker. Note insurer can still avoid the policy if the truth had been known they can solidly prove they'd not have taken the policy at any terms - so if you are going to lie and pretend ignorance then you wouldn't want to be doing it with something you're pretty sure is going to be outside of a standard motor insurer underwriting strategy (criminal conviction, for example). Something they'd accept at just more premium? Most of the time they'd just make you pay the additional premium. If it's serious enough though, they'll proportional remedy you and that can work out bad.

[Commuter_Tim]

[arry]

Proportional remedy has two routes:
1 - they make you pay the additional premium you would have paid had they have known, which ain't so bad or;
2 - they reduce the value of your claim by the ratio your original premium bears to your amended premium. That can be pretty rough if you should have paid 200 quid but only paid 100 quid, that's 50 of the value of your claim gone.

In most circumstances, FOS would rule for option 1; unless the disclosure was extremely careless and the premium difference quite severe.