House Insurance - will my premiums increase if I claim?

foreversummer

Hi there

I have not made a claim on my house insurance for over 5 years, but hubby has just dropped his drill when trying to repair the extractor fan and cracked the shower tray.

I have accidental damage cover so I guess I can claim.

Does anyone know the likely effect on my premiums if we do claim? I always shop around each year at renewal and get the best price.

If anyone has experience of similar, I'd be interested to know.

deanos

Dosent make much difference , i had to claim £600 for a TV and my claim actually went down the folowing year

Rogerb_2

Had my first claim for many years and Saga told me that one claim would not affect my premium.

november

Mine actually had a no claims bonus on it which I didn't realise (buildings & contents) so my renewal did go up. By about £30 though so it was still worth me claiming. May be worth checking.

According to broker was still the cheapest even with losing the no claims but I must admit I didn't cross check online this time as I wasn't sure how changing insurers would work mid claim.

(mine's a car port though - see thread below)

mrcow

Insurers like Direct Line and Tesco etc just ask if you've made more than 2 claims in the past three years. If you haven't, then they don't probe anymore and you'll get the same deals as someone who's not made any claims.