No claims made on previous buildings insurance

Markie11

I'm in the process of getting quotes for buildings and contents insurance for a house that we're looking to move into soon.

When asked on their websites directly or even the comparison websites, they ask about previous insurance and claims. In answer to these, which are honest, we've not made a claim on buildings or contents over the past 5 years (well in fact ever but it's 5 years or more that they ask). The question I have is what do they ask from you to prove this information. I'm pretty sure they just don't take your word for it. It is more poinant for the buildings insurance as I lived in a leasehold flat and the buildings insurance was paid to my landlord via monthly charges who then paid the insurance directly to Zurich, the insurer.

Any help and advice would be grateful.

I know some of these questions I could ring up and ask the insurance companies but I want open, honest and unbiased responses first.

Thanks in advance.

InsideInsurance

There are often 2 questions:

1) Years claim free
2) Years no claims discount

For 1 they normally do not ask you to "prove it" but will look at the CUE database to validate your response

For 2 they will look for a letter from your current/ last insurer. Evidently at the moment you dont have your own policy so this is presumably zero anyway.

NCD is rarer on home insurance and so not all insurers ask about it

rs65

Markie11 wrote: »

I'm pretty sure they just don't take your word for it.

The doctrine of uberrima fides applies to insurance policies. They trust you to make a full declaration of all material facts (and then go and check the CUE database to see if you are telling the truth with regards to claims history).