Home Insurance Discussion

VictorM_2

bulktrans wrote: »

any advice on taking accidental damage alog with the main home insurance? is it worth having and paying the extra amount? thnx

Accidental damage is a very useful thing to have, one of the most common things claimed for after damage from leaking pipes.

elliedee33

Thank you VictorM

am I right in saying we should both claim our insurance for both halves.

VictorM_2

Yes, I imagine that this option is the only one your insurance company will give you as any Claims Handler worth their salt is going to know that they will probably never see any money from your reluctant neighbour.

luv_my_brass

elliedee33 wrote: »

Thank you VictorM

am I right in saying we should both claim our insurance for both halves.

Yes, absolutely. Victor is right, put in your own claim independant of your neighbour. I've been in this situation and thankfully I followed my instinct.

sabretoothtigger

luv_my_brass wrote: »

I have been searching for a few weeks now and finally found a reasonable quote via comparethemarket.com, with Kwikfit. They are giving me back £20 and a meercat toy.

I dont see any 20 pounds cashback, is it only some companies

Valeria12

Hi,
There are lots of company in market who agree to provide insurance but obliviously all are not good. Recently I brought a new house and I want to insure it. I am little confused about the insurance that from where I can get the good scheme.

Just_Some_Guy

elliedee33 wrote: »

Thank you VictorM

am I right in saying we should both claim our insurance for both halves.

Yes. Your neighbour will suddenly get ill / lose a job / need to get their cat a new knee / have their identity stolen / become the victim of a Nigerian money transfer scam / get polio and become paralysed / be struck by lightning / eat a poisonous mushroom and hallucinate for five years / get eaten by a snake / need to buy a kidney on the black market / emigrate when you ask them for their bit.

Go through your insurance for your own half and let your neighbour worry about his own. If he protests shrug your shoulders and say your insurer insists on doing it this way because of FSA regulations.

Valeria12

Hi,
I agree with you that there are lots of company in the market but all companies are not good. I have recently purchased a home and I want to insure it but I am little confused that which company provide the best policy. I have got lots of suggestions form your editorial.

Baa

pepperrabbit wrote: »

Can anyone tell me how long historic subsidence counts against you or has to be declared for a buildings insurance quote?
Our house was underpinned in c1988, has been fine since (obviously!). We've just had major building work completed and I've run our details just through GoCompare so far - and have ONE quote of £984.... (policy is up in about 3 weeks)
I thought our current insurers were taking the mickey with a quote of £870 (roughly £400+ on last year for 2 extra bedrooms) but now I'm thinking that sounds reasonable. Current insurance includes a £1500 excess for subsidence.
Do i actually need to phone around and try to explain? this whole area was underpinned around that period so the postcode should surely reflect the current risks if they all compare claim details - or do I credit the industry with too much info sharing?
Any help gratefully received.

Thanks to another forumite, I tried Legal and General - they are only interested in subsidence / underpinning that has taken place in the last 15 years! I've just got a really good quote from them too.

Valeria12

I have recently purchased a home and I want to insure it but I am little confuse that which policy is better for my home and I also afraid that there are lots of company in the market which are fake. Can you give me some suggestion for this problem?