House Insurance blacklisted and never claimed.

gcltd

Hi, my parents have never claimed on their house insurance but called twice over a period of 2 years or so to enquire about two possible claims but were told these were not covered under their policy - so they never claimed.

However these two enquiries are now on a databases for insurers and this seems to be causing them problems in getting insurance and when possible, it is pricey!

Does anyone know about this and how an enquiry...not a claim....is effecting their policy - considering they have never claims against house insurance in 40 years.

Any advise appreciated.

dunstonh

However these two enquiries are now on a databases for insurers and this seems to be causing them problems in getting insurance and when possible, it is pricey!

2 enquiries shouldnt be causing an issue unless they are linked to structural problems or theft. The questions ask about loss, whether you claim or not. So, if they have suffered a claimable event and not chosen to claim it is still an event that should be declared.

What were the events in question?

gcltd

Hi, the first was a home stereo that simply stopped working and started smoking however as it wasn’t accidental damage and the second was a crack that appeared in a window and slowly spread, this again was not covered as advised when someone came out for inspection from the insurance company.
They were fine with this but since looking to renew their home insurance it was now much more expensive due to these two non claims?

Thanks

TSx

gcltd wrote: »

Hi, the first was a home stereo that simply stopped working and started smoking however as it wasn’t accidental damage and the second was a crack that appeared in a window and slowly spread, this again was not covered as advised when someone came out for inspection from the insurance company.
They were fine with this but since looking to renew their home insurance it was now much more expensive due to these two non claims?

Thanks

In the second case, the insurers will have had to pay to send someone out - so even though there's no cover, there is a claim.