home insurance more than 5yr no claims how to prove?

lobbyludd

I've continuously had home insurance for around 10 years (with different providers) and never made a claim. I've never had a certificate to that effect (as you do with a car insurance policy) so can I legitimately state for the quote for my new policy tha I've got more than 5 years no claims, and how would I prove it in the event that it was needed?

*Scarlett

Most home insurance providers will take your word for it.

You will need to agree to a series of assumption questions before taking a new policy - one will address your claims history.

If you were to make a claim against your policy the insurer may make checks for previous claims, and any that you had failed to declare may affect the policy or void it

lisyloo

They don't generally need you to prove it.
They tend to check at claim time, so if there was something undisclosed then that would be a problem.
Be careful of the wording.
Sometimes they ask about "losses", so if you've ever rang up with an enquiry about a loss then this could be recorded on a database.
If the question only refers to claims then that clearly just means claims.