Lost house insurance documentation

jivnorton

I have had a house fire and cannot find any documentation relating to my house insurance and am not sure if I forgot to renew it or if I have got a policy. Tried searching bank accounts but no joy. Is there any way I can check the insurance database to make sure I'm not covered?

Any advice appreciated. thanks

McKneff

Do you not remember the name of the company, if you do know it, just give them a ring, that'sthe easiest way.

no-oneknowsme

McKneff , I think that judging by the OP's post they are unable to remember which company they may have used to purchase home insurance.

I think that this is the reason they have been searching through bank statements etc to see if they have paid out for insurance in the past.

I may be wrong but this is just the impression I got from the post.

McKneff

Well I saw that too, then I wasnt too sure.
I cant imagine forgetting who I'm insured with, specially as the OP said it might have been a renewal. So must have been with them for a while.

Not looking good op

Annisele

If you have a mortgage, you could try checking with your lender to see whether they've noted the name of the insurer (sometimes they do).

However, that might backfire somewhat - it'll be a condition of your mortgage that you do have buildings insurance, and the lender won't be at all happy if if finds that its security has been damaged and you don't have the insurance to pay for it.

It's also possible that whoever sold your mortgage would have recommended a particular insurance product, so you could try them. You could also try the solicitor who acted for you when you bought your home - very long shot, but they might have a record (assuming you haven't changed provider since then).

Short of that, all I can think of is to ring round all the providers you can think of - but I believe there are over a hundred, so that'd take a while.

vaio

OP......I'm struggling to remember the last time I paid for insurance in cash and I guess it's the same for you so if you have insurance then there will be a paper trial through your bank or credit card statements.

If you can't find one then sadly it looks like you aren't covered

jivnorton

Thanks all, renewed via a comparison site and can't recall who it was unfortunately change every year depending on whoever is cheapest so can't remember who it was but I usually have the email confirmation saved on my pc. I thought there was a database where info was saved but if not will just have to sort myself luckily it's not huge amounts of damage. Don't want to contact mortgage co. due to reasons above.

thanks again

globetraveller

I recently realised that if anything happened to the house I wouldn't know who I was insured with. Like many others, when any insurance comes up I look around and go for the best deal. Although I could track insurance through bank statements I decided to email my gmail account and list all the insurances and companies used. Easy to get hold of in a stressful time.
I hope you get it sorted

jivnorton

definitely will sort something like that out for the next time. Going to ring the bank tomorrow in case I paid by credit card as those statements only go back 3 months online. I'm amazed there is no central database to check like for cars though as this can't be that uncommon if all paperwork is lost in a fire for example. in the meantime we've made some good progress in the clean up.
Thanks for advice.

lil.smartie

Check emails too, if it was through a comparison site you usually get loads of emails from them!!

Kate

Ch1ckenlady

Hi

Another angle would be to see if a search was done on you by the insurer. Many insurers carry out a search which would leave a footprint on your credit history.

So you could consider calling a company like Experian who, for a fee, can provide a copy of your credit history.

If there is a record of the insurer on your history, you could then get their number from Yell.com (for example) and using your address, they may be able to trace the policy, should they have one