Home Insurance do i delcare

Dealmad

Hi , after years of having home insurance and never claiming , i foolish stopped having it for a year and someone tried to break into my property the other night , armed with tools etc

I was in my property but they damaged my front door, police came and its been reported as an Attempted burglary.

They never got inside the property just damaged it.

If i get insurance now do i need to declare this?

Also i use to have no claims discount , because i took a break for a year can i no longer have this no claims discount?



thanks

huckster

Yes you have to declare. If you took out Insurance, then had another theft, this could be found out by loss adjusters working for Insurers, as they could contact the Police. The chances are that the policy would then be made void and the claim declined.

In the circumstances, you would be best to work with a decent local Insurance brokers (not Swintons), so they can try with the Insurers they deal with. Some companies won't quote due to this attempted break-in.

gregd_3

Depends on what the question is on the proposal form.

If it says have you made any claims then you do not need to disclose.

Am not sure that house insurance operates an NCD system like car insurance. With some companies i know you do get a discount for being claim free etc but i do not think you need to prove it and insurers can do what's called a CUE check to find out that your claims history is what you've said it to be.

Normally you just disclose previous claims in last so many years and they rate your premium on this along with the other material facts such as postcode, cover, age etc etc.

Quentin

gregd wrote: »

Normally you just disclose previous claims in last so many years and they rate your premium on this along with the other material facts such as postcode, cover, age etc etc.

Not so.

"Normally" they want to know about incidents of loss, damage or liability, whether insured or not during the last x years.

Dealmad

Could i still use my previous no claims if i missed a year of insurance.

I was hoping it wouldnt count as they didnt enter inside my property or take anything, just damaged my door, wasnt massive damage as its a strong front door.

First time its ever happened.

Hope the scum bags rot, as they were armed with a bar , had to pick up a knife just incase they got in

Quentin

As posted, take gregd's advice with salt!

And as already advised this incident will come to light should you have another burglary!

Maybe look for a company that just asks for something like "You have not had more than 2 incidents in the last x years" by way of qualification.

gregd_3

I am a loss adjuster so I kinda know what I am talking about which is why I said depends on the wording of the proposal as this forms your legal contract with the Insurer.

If it says "have you made any claims only" then you don't need to disclose as you are telling the truth.

And a loss adjuster is very unlikely to be able to find out that you have suffered a previous break-in because, the Police will not release information to a LA due to Data Protection Act.

Quentin

gregd wrote: »

I am a loss adjuster so I kinda know what I am talking about which is why I said depends on the wording of the proposal as this forms your legal contract with the Insurer.

This is the wording you actually used when (wrongly) advising us "claims" is all the insurers "normally" want to know about:

gregd wrote:

Normally you just disclose previous claims in last so many years

Just not so!

gregd_3

The "normally" part in my 1st post was referring to how insurers calculate the premium ie not relying on proof of NCD and was not meant to come across as whether the claims need to be declared or not. This is dictated by what information is requested on the proposal!!!!

Quentin

gregd wrote: »

The "normally" part in my 1st post was referring to how insurers calculate the premium ie not relying on proof of NCD and was not meant to come across as whether the claims need to be declared or not.

As the thread is asking whether or not the incident needs to be declared or not, and your post seemed made to contradict the other advice on that, expect it to be corrected!

And it was your use of "normally" that was being corrected in my post #4!

gregd_3

Reading back I can see how it could come across as confusing, not intentional on my part!!