Disclosure of non insurance claim for House Insurance

Helpme999

Disclosure of non insurance claim for House Insurance

Any comments appreciated.

dacouch

Are you not covered for Liability on your home insurance

Helpme999

Hi thanks for your reply. We are not covered for liability. Hence why we are footing the bill and costs ourselves. Thus I don't know if this needs to be disclosed as we are not claiming anything on insurance.

dacouch

Did you not have insurance at the time of the incident

Helpme999

We did have insurance

dacouch

Not having liability cover is unusual.

In that case it depends on how the question the Insurers are asking with regards to claims.

Could you copy and paste the exact wording of the Insurers you are looking at

Quentin

The definition of the disclosure question is along these lines (taken from direct line):

You must tell us about any claims or losses you, and any adult living with you has suffered in the last x years – whether insured or not.

You do need to disclose your loss.

Helpme999

Hi thanks for your prompt reply.

Helpme999

Here is the link

http://www.co-operativeinsurance.co.uk/servlet/Satellite/1288773749587,CFSweb/Page/tplCFSCLandingPage


/www.co-operativeinsurance.co.uk/images/pdf/HS101.pdf

Quentin

Here is the relevant bit that means you need to disclose your incident:

Under the conditions of your policy you must tell us about any
insurance-related incidents (such as fire, water damage, theft or an accident) whether or not they give rise to a claim

Helpme999

Thank you for clalifying.