Home Insurance - All-in-one policy question

nmtd

Hi

This is a general question.

If you have a all-in-one policy with one provider for
1) Buildings
2) Contents
3) Home Emergency (water leak, heating etc)
4) Legal Protection
5) Travel
and then make a claim under the Home Emergency provision, does that count as a 'claim' against the Buildings and Contents parts when searching for renewal options?

I had a policy like this for the last 2 years, made a claim in year one for a relatively simple boiler fix against the Home Emergency provison, but renewed with the same provider as the premium for year two hardly changed and was still competitive when I searched around.

However, this year, the premium went up hugely, so I've just saved over £200 on my renewal quote by moving provider. I have not claimed against either buildings or contents for more years than I can remember so I did not enter enter claim history in the comparison sites but its just struck me that maybe I should have.

As I'm in the cool off period, should I cancel the new policy and search again declaring this claim or just inform the new insurer of the oversight, or is this 'claim' even relevant to the new policy?

I know its always better to declare than not - but its just not made very clear what you need to say when it comes to these all-in-one policies.

Would a claim for a lost bag really effect your history when it comes to buildings & contents? If it does it would appear it maybe better to avoid these all in one packages if you have ever made claims aginst policies for the 'minor' parts.

Any help/pointers appreciated.

Thanks

TSx

Home Emergency claims don't count towards the buildings/contents side of things (likewise with travel claims) and don't need to be declared.

dacouch

Why not ring your new Insurers and let them know, make a note of the date and time of the call and the person you spoke to

Helpme999

Do any claims under the legal expenses count? Ie, I used the legal expenses insurance for a claim against my employer, do I need to declare this to any new cheaper insurance quotes?

InsideInsurance

Normally they do not count as claims but you need to make sure your new insurer agrees - either read the question asked and any associated help text or telephone them.

danthemoneysavingman

Hi, anyone here can confirm this is the case? Just double-checking, thnx

InsideInsurance

As already said, each insurer is entitled to treat things different.

I have a long ongoing LE claim and the only insurer to date that's had any hesitation of an issue over it was the NFU Mutual but after checking with the underwritter it was all ok. I however was only check those insurers which allow higher limits and so more budget insurers may different.