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Not worth lying about it. If you get caught you’ll be in huge trouble and won’t be able to get insurance again, or if you do, the premiums will be very high. It’s fraudulent.
It’s fraud. MY FIL did it for his motorbike. Crashed it then took out insurance and tried to claim it. He got caught because they looked through hospital records when he was injured (yeah, he’s that stupid!). They’ll look into EVERYTHING!!!
Their whole focus is on finding any way they can to decline the claim.
And it is fraud.