Direct Line House Insurance

lynseydee

I have just done a quote to take advantage of the deal that DL are doing, thanks to Martin, and happily the quote has come in at less than my current provider. The only downside is that when I went through the quote it didn't ask about existing claims and I'm worried that if I go ahead and get the insurance the price will either increase to more than what my current provider is quoting or the insurance will become invalid as I didn't disclose the details, but it doesn't give the option to do so.

Am I missing something and there is somewhere to put this information?

Quote

https://uk5.directline.com/insurance/home/PLB92573849569674849202/importantstatementsreviewasslink.do;jsessionid=2830df2745a033165e2d

lynseydee

Thanks for the link quote but when I click on it it comes up with a session timed out window.

*Scarlett

Do you mean an ongoing claim ie has not yet been settled? If so you will probably not be able to buy cover on-line.

If you are happy with the D/L quote, ring them and go through it. They will hopefully be able to clarify any issues regarding previous claims.

Make a note of any online quote reference number you have and the price. Companies will usually honour any on-line price that you have if the details are correct.

If the details of your quote need to be changed and the price goes up you can still ask for a discount for taking the policy there and then. Insurance companies want your business and most will be prepared to negotiate unless you are a very high risk.

Hope this helps.

lynseydee

Hi Scarlett, thanks for your reply.

I mean that ususally when you go through a quote online it will ask you if have have had any claims in the last five years and space to say what the claim was and how much was paid out etc but with Direct Line it didn't even given me that option, which is why I have a feeling that the price quoted online wouldn't be the price we would end up paying.

I think I will do as you suggest and give them a ring. Hopefully it won't be as bad as the renewal we've just had of nearly £400.00 from our current provider :eek:

payless

DL quotes are based on certain assumptions

• Never had home insurance refused, cancelled, or declared null and void.
• Never had special terms imposed to buildings or contents insurance.
• Never been convicted of any criminal offence (other than motoring convictions) or have any prosecutions pending.
• Not suffered more than two incidents of loss, damage or liability, whether insured or not during the last three years.
• Not suffered a burglary within the last 12 months.

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wonder what happens if you don't see this, and then apply ?

DL and other RBS brands seem to have lower history criteria/ more competitive premiums than much of the market at moment ....
lets hope its still profitable given its majority taxpayer owned