Advice needed - Should i declare claim on house insurance quotes - HotUKDeals
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Advice needed - Should i declare claim on house insurance quotes

brandlew Avatar
5y, 10m agoPosted 5 years, 10 months ago
Hi
Advice needed - i claimed on my home emergency policy ( which was included in with the house insurance policy free). A plumber came out looked at boiler for 10 mins max - said couldnt help it is a blockage "you have to pay for this yourself " he said,as i wasnt covered for blockages. I have now found out i am being charged for his call out and i have to declare this as a claim made against my House insurance.
My policy is up for renewal. Do i have to declare this as a claim as it was not against my house insurance - it was through the home emergency and i didnt pay any excess. More than are saying it was a claim and must declare to all new insurance.

Because of this the insurance quotes are very high - even though the claim was for £65.00.
I am very annoyed. Has anyone else come across this?

Thanks
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brandlew Avatar
5y, 10m agoPosted 5 years, 10 months ago
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#1
If morethan are saying the claim counts, then the claim counts. They are your insurer and what they say goes, however I'd continue to argue the point if the Home Emergency cover is a separate policy with a third party (mine is). Morethan are tippity tip top of my AVOID AT ALL COSTS list of insurers. So sorry, and good luck.
#2
Unfortunately I think that you should declare it. Most insurance policies have words similar to the following: 'You must declare all material facts to us [not only prior to obtaining a quote but also at any point during the life of the policy]. If you are in any doubt as to whether a fact is material, you should declare it.'

Otherwise you may find somewhere along the line that an insurance company refuses to honour a genuine claim.
#3
not sure if its true or not but i was told by a friend who used to work for Churchilll home insurance, when they ask these types of question they can already see how many claims you've had in the last 5 years becauses its on a data base they all use. if you dont declare any claims your policy could be void
#4
They will check withi your previous insurer when they chase up confirmation of no claims bonus etc, so if it's on your current insurers database, it will be shared with whoever you move to. You can also have your policy cancelled if you fail to declare past claims, which means in future you will also have to disclose this when applying for insurance .which means many insurers won't touch you as you will be considered dishonest.

So basically if it's in the system, you have to declare it.
#5
"Advice".
#6
if the insurer never paid out any monies to you and you never benefited from the 'claim' them its not a claim.
#7
Hi - I work for a high st. bank, in insurance and I would advise the following -

As the above post (stevenA2000) says, if you have not benefitted and the insurer never paid out, technically it's not a claim. However, it is still recorded as a loss and as such, can affect future premiums.

Most insurers do record all losses and claims on an insurance database which is in place to prevent fraud etc, so the likelihood is when you shop around for quotes, any prospective insure will possibly have the details of your loss anyway.

In any case, I would declare your loss/claim as it could be perceived by any insurer as a material fact.If you don't, and need to claim again, it could (and probably will) affect your cover.

Hope that helps, by all means shout out if I can tell you any more.

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