For house/car/travel insurance what prior claims/losses do you reveal ?

Fine_Insurance

I just did a blog post on this problem following the Watchdog report last week. People call their insurer as enquiry to see if they are covered and find out that the event gets registered on the CUE underwriting exchange system. Dealing with a broker helps here as they will advise you without having to contact the underwriter. They can confirm if you have the cover in force and whether its worth making the claim. And they deal with the insurers on your behalf to get your claim paid out (hopefully!)

Quentin

Fine_Insurance wrote: »

I just did a blog post on this problem following the Watchdog report last week...... Dealing with a broker helps here ......And they deal with the insurers on your behalf to get your claim paid out (hopefully!
xxxxxxxxxx, a division of xxxxxxxxxx Insurance Services
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More cynical spam from a rogue broker breaking the site rules and trying for free advertising.

Spam button pressed.

dunstonh

Thanks , but Fraid that leaves far too much wiggle room for insurance co's, and thats how they avoid pay outs due to interpretation

No it doesnt. if you answer the question as it is asked then it will not affect a claim.

Answering what you think is the question has proven to be wrong so often

No it hasnt. The FOS take a fairly simple view on this. Where there are issues are where people havent read the question or have taken it upon themselves to answer the question differently or decide what they include or not include.

If you try and interpret a question differently then you are asking for trouble. If you answer exactly what it says you will have no issues. Although if you do, then the FOS will side with you. A general rule of thumb though is if you are in doubt then either use a broker and get the broker to explain it to you (that gives you consumer protection) or declare everything you think and leave it to the insurer to decide.

bigcheese

dunstonh wrote: »

No it doesnt. if you answer the question as it is asked then it will not affect a claim.



No it hasnt. The FOS take a fairly simple view on this. Where there are issues are where people havent read the question or have taken it upon themselves to answer the question differently or decide what they include or not include.



If you try and interpret a question differently then you are asking for trouble. If you answer exactly what it says you will have no issues. Although if you do, then the FOS will side with you. A general rule of thumb though is if you are in doubt then either use a broker and get the broker to explain it to you (that gives you consumer protection) or declare everything you think and leave it to the insurer to decide.

Unfortunately nobody so far has the appropriate technical knowledge to provide a correct answer , but thanks anyway. Its always safer to hide behind general common sense as opposed to answering the actual question I guess

Anyway in response to points 1/2/3

YES it CAN (I agree it MAY not) its the unseens that are the problem (you dont know what you dont know)

YES it can (I agree it MAY not)and the FOS have found in favour of complainers on this issue

Yip, the FOS would be the best in that case, and yr broker point is moot, but I would absolutely advise anyone against leaving it to insur co to decide - look where that philosophy has left people in the past !! :rotfl:

Danny_Vandal

During the course of a phone call to AA insurance today I had £3 stuck on my monthly premium because I mentioned that my current insurer wouldn't insure mobile phones against water damage and that I'd simply bought a new one myself. I am now going to see what they are holding against my name on the CUE database as I'm sure i have phoned up in the past to ask if something is worth claiming for. I'm absolutely furious with these people.

System

Danny_Vandal wrote: »

During the course of a phone call to AA insurance today I had £3 stuck on my monthly premium because I mentioned that my current insurer wouldn't insure mobile phones against water damage and that I'd simply bought a new one myself. I am now going to see what they are holding against my name on the CUE database as I'm sure i have phoned up in the past to ask if something is worth claiming for. I'm absolutely furious with these people.

But you declared to the insurer that you have had a mobile phone damaged by water, so obviously if the policy covers your mobile phone then it is not unusual for them to load the premium accordingly.
You can ask AA insurance to tell you what they have recorded on CUE, this is free, but if you do ask for details from CUE (not free) let us know how you get on.