I had no idea that you had to declare any incident you had in a car. I had a bicycle run into my car then ride away. I had damage which my car insurance company paid to have repaired. Not my fault. Nothing to do with me riding a scooter for 30 plus years with no incident or accident. Had a scathing letter from Motorcycle Direct warning me that they would cancel my bike insurance as I had not declared this incident. They then charged me an admin fee for the letter warning me about the failure to declare. Their website needs to say that ALL incidents in any vehicle need to be declared. I have never had any problem with any other insurance company. Warning to all riders - don't insure with Motorcycle Direct.