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    • Katykat
    • By Katykat 13th Mar 18, 11:05 AM
    • 1,545Posts
    • 548Thanks
    Home insurance renewal query
    • #1
    • 13th Mar 18, 11:05 AM
    Home insurance renewal query 13th Mar 18 at 11:05 AM
    My MiL home insurance renewal quote has gone up by £25 this year. We asked L& G why and the answer was that she put a claim in for a stolen purse in 2015. We told them that she didnít actually claim for it as the excess outweighed the value of the purse and contents. The guy said that doesnít matter, itís the fact that she just inquired about it that generated the claim, which in turn generated the increase in premium. This could have also happened in 2016 & 17 too but we didnít realise it. Is this correct? Or even legal? Iíve got to say that I thought Iíd heard everything but this takes the biscuit. If correct, that could mean that 1 phone call cost her approx £75.
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    • Reardoa
    • By Reardoa 13th Mar 18, 11:37 AM
    • 70 Posts
    • 18 Thanks
    • #2
    • 13th Mar 18, 11:37 AM
    • #2
    • 13th Mar 18, 11:37 AM
    Yes it is correct. The insurer will treat it as an `incident` so it may well affect your insurance. Put simply don't report it unless you intend to continue with the claim.
    To be honest a £25 increase doesn't sound bad. IPT has increased by 2% over the last year so its not unreasonable. Look round for alternatives, it may still be the cheapest anyway.
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