Last year I thought about claiming for damage to carpets. I spilled bleach on the landing carpet then a few months later a bottle of nail varnish on the bedroom carpet. Put in a claim thinking they would be classed as one claim. They weren't and consequently the amount of excess and loss of no claims would have made it not worth claiming so did not continue with the claim. However, the renewal on my insurance went up by around £500! When I tried shopping around, other companies would not insure me as I was classed as high risk even though I have only claimed once before over 20 years ago. I ended up going through a Broker (as advised by the rep at Churchill who I admire for their honesty and assistance when they explained exactly why they would not insure and the best way forward for me).
I recently had some jewellery valued and on advice of the jewellers have been advised to insure it separately rather than through home insurance.
I'm now trying to work out the most cost effective way of insuring the jewellery;
If I list it separately on my home insurance the premium will go up and if I make a claim, then the premium on future home insurance policies will go up.
If I leave them off home insurance and insure with an independent jewellery insurer, the premium is slightly more, the covery slightly better, but if I ever made a claim, would I have to declare when obtaining future home insurance?
Feeling very peeved with insurance companies as feel they are all too willing to take your money but when you need their help, you have to jump through hoops and then still get penalised even when you've been honest.....I would not have declared the accidents on the carpets if I had decided just to replace them as I'm sure many others wouldn't!