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Previous applications denied
jimmyg_73
Posts: 36 Forumite
I phoned up to get new home and contents insurance a couple of years ago as my deal was so expensive.
The agent asked me something along the lines of was the house structurally sound or something. I said I didn't know. Then he said then he couldn't give me insurance. So i put the phone down, turned my survey over and there was a statement saying that the house was structurally sound or words to that effect.
Question is, will I now be logged as having home insurance refused if I go to take insurance out again?
This is always one of the first questions asked.
Is there a central database of refused applicants that all providers use?
The agent asked me something along the lines of was the house structurally sound or something. I said I didn't know. Then he said then he couldn't give me insurance. So i put the phone down, turned my survey over and there was a statement saying that the house was structurally sound or words to that effect.
Question is, will I now be logged as having home insurance refused if I go to take insurance out again?
This is always one of the first questions asked.
Is there a central database of refused applicants that all providers use?
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Comments
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Question is, will I now be logged as having home insurance refused if I go to take insurance out again?
No. You failed to supply sufficient information to enable a broker/provider to offer terms. It never got to the refusal stage.
Out of interest, how did you not know without checking if the house was structurally sound? Its not as if that is an unusual or difficult question to answer. It's pretty key.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
There was something on the survey saying that there was a crack on the back wall or something and there had been previous movement. So I was aware of this. But the actual question he was asking me, it was totally fine. I just didn't see it on the survey.0
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No. You failed to supply sufficient information to enable a broker/provider to offer terms. It never got to the refusal stage.
Out of interest, how did you not know without checking if the house was structurally sound? Its not as if that is an unusual or difficult question to answer. It's pretty key.
Probably as brokers and insurers keep telling of the dire consequences of incorrectly answering any question, and the £50 amendment fee that'll come later, along with doubling the premium, if they don't just cancel the policy instead.0 -
Sorry Mikey I'm not quite sure what you mean or what you were responding to.0
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