Getting a new home insurance quote

stefano

I am getting a new home insurance quote, and one of the questions on the form is whether I made any insurance claims (fault or no fault) in the last 3 years.
As this is a home policy, do they want or need to know about a car insurance claim?

InsideInsurance

Technically if the question was as broad as that and there is no help text to say its just Home then yes but I am 100% sure that when it then asks you to enter the claim details the options will not be appropriate for a motor claim

stefano

What is confusing is the fault and no-fault. Surely there can't be a fault or no-fault home insurance claim!

weejonnie

I wouldn't be '100% sure' - maybe 95% but there may be some company asking for any type of insurance claims to see if you are the type who does claim. It would obviously be fatal to assume that the quote just relates to home insurance as a misrepresentation could result in a claim being reduced. (I say could because if the wording isn't clear then the insurer cannot rely on the question)

hellzbellz

stefano wrote: »

I am getting a new home insurance quote, and one of the questions on the form is whether I made any insurance claims (fault or no fault) in the last 3 years.
As this is a home policy, do they want or need to know about a car insurance claim?

No just as you wouldn't advise of a home claim for a new motor policy. To suggest otherwise is preposterous.

Quentin

hellzbellz wrote: »

No just as you wouldn't advise of a home claim for a new motor policy. To suggest otherwise is preposterous.

Why so pompous?

Explain why the op has been asked for both fault and no fault claims if you consider others helpful advice "preposterous".

hellzbellz

Quentin wrote: »

Why so pompous?

Explain why the op has been asked for both fault and no fault claims if you consider others helpful advice "preposterous".

Nothing pompous intended towards you or anyone else's advice so apologies for any offense. Text doesn't always accurately convey intent.

Having said that I would expect anyone inside the industry to know that claims for household are irrelevant to motor and vice versa but maybe my experience has privileged or biased my expectation.

Depends on how one wants to view it I suppose?

InsideInsurance

stefano wrote: »

What is confusing is the fault and no-fault. Surely there can't be a fault or no-fault home insurance claim!

Yes there can be.

Probably one of the most common one, someone losses control of their car and drives into your garden wall/ house/ garage. You claim off your home insurance and your home insurers recover their outlay from the car drivers insurance and thus a non-fault claim. There are plenty of other examples but in reality they arent that common and certainly in my last claims department the recoveries were handled by the Motor team as it wasnt common enough to bother training any of the Home guys

*Scarlett

Claims under other insurance policies eg motor generally don't affect your home insurance.

Unless the claim that you made on your car insurance was for driving into your own house (and the insurers shared the expenses) you don't need to declare this on a home quote.

If you are still in doubt, ring any insurers that are competitive online to clarify but I really doubt that this is an issue.

InsideInsurance

*Scarlett wrote: »

Unless the claim that you made on your car insurance was for driving into your own house (and the insurers shared the expenses) you don't need to declare this on a home quote.

Why'd the insurers share the cost in these circumstances? Both insurers would settle just the damages to the asset they insure. There is no third party involved for any counter claims or to enact the third party liability/damages sections of either policy