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?