i don’t think that is the issue. The issue may be when a claim goes in soon after the policy starts for a windscreen…they may then look at how long the policy has been in force and how long the car had not been taxed and motd for etc….if there is no tax and mot from point of policy starting to claim then they may wonder how the windscreen broke etc.

unlikely but it could happen and although we all love to hate insurance companies it is fraud and is immoral early when you think about it. It is an unpopular opinion but ultimately the £800 windscreen that he doesn’t want to pay for is being added to everyone’s insurance policies (yes I know the ins co may pay less)