Do i need to add joint policy holder?

r3tr0fr34k

I've just got some prices for home buildings and contents insurance renewal and got a price that's £50 cheaper than my current insurer. All the details are correct and it says I'm married. Then I noticed there was no joint policy holder listed. So I add my wife, then the premium goes up £30.

So the question is, do I need to add her? We've not gone for accidental damage, so I assume as I'm listed as married, the number of adults in the house is listed as 2, that everything is insured not just my stuff?

Thanks.

*Scarlett

Does it ask you to declare you wife's occupation? Some jobs are considered higher risk than others and may increase the premium.

You don't have to name your wife as a joint policy holder but you will have to answer the "assumption questions" to validate the policy (there might be something about occupations of permanent residents of the home).

Usually the policy is valid for the posessions of all permanent residents of the home.

I would ring the insurance company - explain the issue to make sure you are covered adequately. You could always ask and see if they will give you any more discount to match the price. Many companies will do this if you will do business with them straightaway. (They want your business!)

Hope this helps.

r3tr0fr34k

Thanks for the reply, I've now rung them and they've said no, she doesn't need to be a policy holder. It's an odd option, if you don't have to do it, and it increases the premium, then why would you?

Cheers