Losing no claims

mmcmahon

I've got home insurance through Churchill, premiums are great just now (approx £10 per month) but we may be making a claim and am worried what they will rise to if we do that. Is it likely to be a lot?

We had a pipe burst in our boiler the other week, it flooded the room downstairs and also ruined the PCB in the boiler.

A guy came out today and assessed £390 for fixing the ceiling and said they would pay for the £210 PCB. We have a £250 excess so would receive £350 (we've already had the boiler repaired)

I think it's worth claiming but just wasn't sure how much the premiums would rise by.

Cheers

Faith177

If your company class it as Escape of Water some companies will load your policy by 50% for that kind of claim.

So if your policy was say £250 next year it would be £375 plus any further increase for you NCB lost

*Scarlett

Do a few fake quotes online to include the claim - you don't need to put in your actual address / contact details but do use the real postcode, property details, employment info, etc.

It would give you an idea of how the claim could affect future premiums. Personally I don't think it would be as much as 50% for a relatively small claim but insurers do vary.

Bear in mind that when you are getting quotes online this will be as a new customer so your renewal will likely be higher anyway and any quotes could change by the time your renewal date comes around.

loracan1

The company you're with might load it by 50% but you'll be able to get cheaper, it'll most likely go up but not that much.

I've just renewed with same insurance company that paid out for a claim late last year and it increased by about £30-40.