Is claim for home emergency cover a claim on contents?

cian

I have my home insurance with MoreThan and when I rang up today to cancel and told them that I found a cheaper quote somewhere, I was asked if I disclosed my "claim" for an accidental loss. I was truly shocked because we didn't have any losses hence did not make any claims as such.

However when she mentioned the date, I remembered I did claim from their "free" home emergency cover for a blocked drain. I was then told that it still needs to be disclosed as a claim when I ask for quotes.

I didn't know that home emergency claims are considered as claims on building/contents insurance. Is this true? Am I the only one missing this point?

Thanks for any feedback...

hugoshavez

Nah, you don't need to disclose that.

*Scarlett

Be careful with this one. I think that MoreThan have a (limited - £250 or something) home emergency cover included as part of the b&c cover. Check your policy book / schedule.

If you have claimed under this cover then it would need to be disclosed to future insurers. Did you pay an excess fee? This may indicate that it was part of the b&c policy.

Most insurers will offer a home emergency product as a separate product and I believe that MoreThan offer the option to upgrade to this type of cover at an extra cost.

If you had the separate cover a claim does not usually have an excess and won't affect the b&c policy as regards to no claims discount.

It sounds as though they have recorded a claim as the home emergency was included in the b&c.

If you have already taken out a policy with a new insurer you need to inform them immediately. It will probably affect the premium but it may not be as much as you would think if this is the only recent claim.

hugoshavez

*Scarlett wrote: »

Be careful with this one. I think that MoreThan have a (limited - £250 or something) home emergency cover included as part of the b&c cover. Check your policy book / schedule.

If you have claimed under this cover then it would need to be disclosed to future insurers. Did you pay an excess fee? This may indicate that it was part of the b&c policy.

Most insurers will offer a home emergency product as a separate product and I believe that MoreThan offer the option to upgrade to this type of cover at an extra cost.

If you had the separate cover a claim does not usually have an excess and won't affect the b&c policy as regards to no claims discount.

It sounds as though they have recorded a claim as the home emergency was included in the b&c.

If you have already taken out a policy with a new insurer you need to inform them immediately. It will probably affect the premium but it may not be as much as you would think if this is the only recent claim.

Either way, OP doesn't need to disclose it to new insurers.

*Scarlett

Yes they do if it's part of b&c - if it's a separate policy they do not.

hugoshavez

cian wrote: »

I remembered I did claim from their "free" home emergency cover for a blocked drain.

Sorry, but this is never a discloseable buildings claim.

Not on any day of the week.

jonesMUFCforever

I can only speak about Lloyds bank home insurance and their home emergency ins - they told me when I was taking out the home emergency that any claim would not count against my main insurance policy.

You need to read the terms of the policy that you have.

adamc260

My folks had Home Emergency from Aviva and didn't have to disclose it when we had a problem with our Boiler.

The reason Home Emergency exists is to try prevent people claiming on their main policy for things this optional (and chargeable extra) would cover.

You do want to be careful that they haven't logged a claim on CUE however as that'll show to your new insurer.

cian

thank you very much for all your input....

System

So it's not like car insurance where you have to disclose any "incidents" regardless of whether you have claimed or not?

hugoshavez

Clifford_Pope wrote: »

So it's not like car insurance where you have to disclose any "incidents" regardless of whether you have claimed or not?

You're obliged to answer questions truthfully to the best of your knowledge and understanding.

Just like with motor insurance a home insurer is likely to ask about any "claims, losses or damage."

The idea is generally to find out about any incidents occurring during a recent period when no insurance was in place.

In practical terms no home insurance underwriter would take any action if they found a customer had failed to disclose the unblocking of a drain through home emergency cover.

If, however, they found out that you were broken into last year while you had no insurance and had £20k worth of posseessions stolen, and didn't disclose it, they may very well void the policy.