like RG..says..better tell them,..you never know whats round the corner,...you could be driving down the road and someone runs into the back of you..their fault,..but if it comes out in the wash that you,ve recently had surgery, and they don,t know about it...then you,d better believe that..."Oh!! you did,nt tell us about that....Insurance companies ...will use any trick in the book..not to pay out...it would,nt matter if you,ve never had a claim...the minute you do...then they go over everything with a fine toothed comb...how do i know...well a similar thing happened to me last April,....but lucky for me, i,d told my insurance company.and DVLA that i,d been diagnozed with Sleep Apnoea,...it never pushed my premium up,...but...when i was involved in a Non fault collision..the other insurers, tried to aportion blame to me, once they,d seen my medical records,..but because i,d notified my insurers the year before...the other insurers did,nt have a leg to stand on