If it comes down to your word against theirs on an issue like that, Richard, simply put in a written complaint and if they don't sort it, follow it up with the Ombudsman. They take a dim view of declining for minor non-disclosure, especially if the claim is unrelated.

Although fraud in all its many forms is a massive expense, it's the kids that really drive it. Even with the massive premiums the kids get charged, they are still getting cross-subsidised by older drivers. A carful of dead or seriously disabled kids is be an expensive settlement.