home insurance problems

Quentin

Your 2003 loss was more than 5 years previous to February this year when you completed the proposal!

Can you get someone else to help you over this.

If not, take all your documents to the CAB and ask for their help.

judy_1

sorry it is 5 years not 6 this is my wonky brain now confusing things

dogbot

Ok, exactly what was the date of the following:

- When you completed the proposal in the bank
- The inception/start date of the policy?
- The date of the claim

I can't see, if the claim was 2003, why you would have to declare it in 2009. I think you need to find someone to help you with the claim as suggested above and make a formal complaint to get this resolved. As suggested above the citizens advice bureau should be able to help, but hopefully a close friend or family member could help you get the order of events in the right order and write up a letter.

Make the complaint in writing and not over the phone, though do tell them over the phone too. You want to put it in writing so there can be no dispute.

judy_1

sorry guys its all my fault i rang the company and they are now telling me the non disclosed claim was in 2004 which is within the 5 years that they wanted to know, i get my self so confused now since the stroke sometimes i can not remember what i was doing 5 minutes ago bu hey i now have a brain injury

dogbot

I really don't mean to be rude hear, but if you are having a little trouble with your memory I think it is worth asking the following just in case.

How exactly did the insurer discover the claim? Is it accurate that you made this claim... if you are not sure of the date and they are telling you about it, are you certain you actualy made it? It is possible they have made some mistake?

judy_1

yes we did make the claim the new insurance company tell me in september 2004 but i am not sure of the exact date of the claim or even year, we made the claim becuase we had a bust pipe in our attack whilst on holiday and 3 of the ceilings in the house came down also the plaster came off the walls and al had to be re done sorry if i get confused and make this confusing for others

mattymoo

No need to apologise.
Sounds like innocent non-disclosure to me and one that the insurers should be prepared to overlook as you mentioned above.
As for confusion on dates, I would have difficulty remembering the date of my last claim and whether it fell within the 5 year limit. I have no excuse other than age.

judy_1

just a little bit more advice needed please
when this lady came to my home she arrived immediately went in to my lounge and sat down then put her computer on she then told me shewould be recording the convesation i was not asked if this was aright an d got the impression that she was actually allowed to do this any way is this correct all the time she was talking to me she was looking at her computer and checking things i believe she had information on me am i allowed to ask to see this imformation under the freedom of informations act

dacouch

It is probably in both of your interests that the conversation is recorded as it will be a proper record of what both parties said. I know it can be intimidating being recorded and often Loss Adjusters can be brusque.

The information the Loss Adjuster would have had would be a copy of your policy / schedule so they can see what you are covered for and not covered for, probably a copy of the proposal form you signed. In addition virtually all Insurers register claims on a central database that they all have access to. The LA would have details of the previous claim / claims.

If not declaring the previous claim was a genuione mistake eg you have not deliberately concealed it then its often not a problem. The Insurers will normally ask for an explanation from you as to why you did not declare it. They will then return this to the Insurers and assuming they would have offered cover in the first place if they had known about the claim (I would be surprised if a claim that old would be a problem assuming it was for a relatively low amount) then they will normally come back and say its a) no problem at all b) they would have charged a higher premium and ask you to pay the difference c) reduce the amount they pay you proportionately to the difference in premium you should have paid d) advise you they would not have paid covered you if they had known of the claim and "Avoid" the policy eg say its null and void and thus the claim is not paid but they generally return your premium.

I have not got the full details of your claim and cover etc but often these things are not a problem providing you have not intentionally miss lead the Insurer and are honest with them when they ask you about the non disclosed claim.

The Loss Adjuster just wants to gather all of the actual facts about your claim and the circumstances regarding you not declaring the claim so these can be reported back to the Insurers. By gathering the correct information it enables the Insurers to make an informed decision on your claim.

As always it is best to be honest with the Insurers.

pedro123456

Judy 1……………………

If you wish, and you have any use for it, I can and will supply writen evidence to support your claim that damage to the Right side of the brain does indeed affect your memory.

Your consultants word should also be taken.

Zorro…….. Defender of the people against the oppressive Insurance Companies, I am not Zorro….