subsidence history

kadoodle8

Hi please could someone advise me on the best way to get buildings insurance, 6 years ago i claimed for slight subsidence on my porch it was dealt with and the problem resolved. Possibly underpinned but I never received a certificate of work I think because there was a long dispute over the time the company took to complete the work and payment of excess/compensation. As a result since then I have had extremely high quotes, when I have tried Direct Line i'm told flatly no can do, the minute I mention the word subsidence, surely the fact that it has been repaired and resolved someone somewhere will give a realistic quote!!
Please can someone Help
thank you in anticipation of advice
KB

piratepaul

the word subsidence means not many insurers will touch you as I am finding (10 year old new build underpinned 8 years ago with 10 year insurance on the work still valid). I have tried for 5 years since moving into the house to find alternative quotes beyond using existing insurer who put up my premium at least 10-15% per year (which you can't complain about to them!) and is now £600 (I should be able to get it £300 if had no subsidence). However most come back dearer by a few hundred (£800+) and still want a survey so not worth moving (survey companies quoted £300+ last year) so I am in catch 22. Get a survey and move insurers if can find competitive but I can't find anyone who can beat my current insurer by anywhere near the survey cost or a proportion that would be offset over a few years. That company will then put premiums up year on year commercially anyway. Every year you have to 'disclose' that property had subsidence (as the standard question is 'ever had') be it existing insurer or a new insurer. We can't use price comparison sites so cannot get cheaper insurance year on year. Aviva and Swinton are the best alternatives I have found. I work in commercial insurance broking so have added knowledge and I am stumped as to options. I even tried to find insurers who would give cover but exclude subsidence (means you would have to foot the bill for any future issue (which would be thousands) but if the house is now the strongest in area - poss not a risk worth taking?) The only way to a cheaper premium is to strip out all the add ons like high risk items, possessions away from home, legal expenses and increase your excess - it might save you a bit. My parents also have subsidence and when making a small later claim they got even more hammered at renewal! If anyone can similarly offer me any additional tips even though I think i have exhaused my options over the years. Now for this year's renewal