Home insurance woes

Chapo

Hi, a few years ago I suffered the misfortune of a fire in my workshop at home (twice). At the time I was insured through Tesco Insurance and, after the Fire Officer had investigated, the loss adjuster came out. In total the cost of the loss was around 25k. Afetr a couple of weeks I received a letter saying that I had not disclosed claims which had occured in the last three years and therefore the policy was null and void and my premiums for the year were returned.
The 'claims' mentioned occurred around 2 years 6 months and 2 years 9 months previously. The former not actually paid out as the original item (rare ornament) could not be replaced and so we dropped the claim. The latter we, obviously, thought was longer than 3 years. After correspondence back and forth I decided to desist and got over it.
However, now, when I want to start a policy there is a question which roughly states 'Have you or anyone in your household ever been refused insurance?' I have to say 'Yes', then the premiums rocket to gargantuan proportions.
How can this be fair and/or legal? Convicted felons have their slate wiped clean after a period of time, why not the same in insurance?
If anyone has any suggestions, they will be most welcome.

neverletitgetyoudown

Chapo wrote: »

Convicted felons have their slate wiped clean after a period of time, why not the same in insurance?

For convicted felons to have there slate wiped clean as you put it takes 10 years sometimes never depends on what they have done, until then they have to get specialist insurance

Yours best bet is to try and get the cheapest best policy for you.

or

get a specialist insurer as due to the amount of losses registered against you in the last few years it will be hard to get a cheap main stream policy

hope that helps

dacouch

Try Bureau Insurance http://www.bureauinsure.co.uk/

Don't expect the first couple of years with them to be cheap though