Serotoninsid, thanks for the reply.
Yes, the quotes I looked at had assumptions that there were no claims in the past three years, or no more than two small claims in the past five years, etc. I meet those clauses.
But I know there's an expectation with insurance that the insured party discloses everything relevant. I'm just wondering if that makes a difference when the insurance provider makes statements/assumptions only about claims within the past X years.