after a subsidence claim

Not sure about effecting your premiums but you do have to declare this claim for ever company as if you were to have another claim for subsidence and you didn't declare the insurance company can refuse the claim and possibly void the policy as this would be a non disclosure of a material fact. re-percussions of this could prevent you obtaining insurance cover in the future and increase your premiums. My advise for any insurance policy is to declare everything so they can't decline your claim for any reason.

I would strongly recommend you stay with the same Insurer, the reason for this is sometimes the subsidence comes back because a) they did not do the work properly b) they only underpin one part of the house which makes it stronger than the rest and then the other side of the house starts to subside.

If you stay with the same Insurer it is relatively easy to sort out (You won't have a new Insurance campany saying the damge happened due to the previous Insurance company).

The most important reason to stay with your current Insurance company is that when you sell your house the purchasers solicitor will spot the subsidence and advise the new owners not to buy it as they will find it very difficult to get Insurance and if they do it will be at a very very high premium. HOWEVER if you stay with the same Insurer your policy can just be transferred to the new owner (Insurers have an agreement amongst themselves that however paid the subsidence claim will continue offering cover at a "reasonable" cost PROVIDING you stay with them and then transfer the policy to purchasers of your house. It is therefore bes to stay with your current Insurer so that should you ever wish to sell your home the previous subsidence claim will not have to much affect on the sale price.

There is one way you could reduce your premium, if say you are withan Insurer say for instance Norwich Union through your mortgage provider (Which is the normally the most expensive way of insuring your home). You may be able to get cheaper cover with Norwich Union by going through another provider who underwrites with Norwich Union with the subsidence claim declared to them. This works with most Insurers but I would recommend you use a high street broker to do this as if you ring any kind of call centre Insurer they will not have the experience to do this.

I'm an Insurance broker and can confirm this is how the industry operates.

I hope this helps

There is one way you could reduce your premium, if say you are withan Insurer say for instance Norwich Union through your mortgage provider (Which is the normally the most expensive way of insuring your home). You may be able to get cheaper cover with Norwich Union by going through another provider who underwrites with Norwich Union with the subsidence claim declared to them. This works with most Insurers but I would recommend you use a high street broker to do this as if you ring any kind of call centre Insurer they will not have the experience to do this.

Yeah swapping to new policy with same underwriter is an option I've recommended BUT
with a lot of policies being written as either block policies or under an administrated scheme , with underwriters being changed from time to time, its possible that the current underwriter is not aware of previous claims or previous declarations , instead they took on the all the risks ( warts and all) BUT won't be prepared to accept it if asked now under a new policy.

this may be an issue on the sale proposition- although not experienced the situation yet