Claiming on House Insurance ... or not!

vaio

TMS_ wrote: »

Just can't win, can you?

don't know about winning but you can avoid unnecessary loadings by checking all the options before involving your insurer.

In your case, it's actually a warranty issue so, strictly speaking, your insurer wouldn't be liable as it's a manufacturing/fitting fault rather than an insurance matter.

If the local youth had tossed a stone through it then insurer would pay and warranty wouldn't.

If, as it seems it has, it failed with no sign of impact then warranty will pay as it's a manufacturing/fitting fault but insurer is unlikely to pay.

I think you got it spot on when you said.....

TMS_ wrote: »

......using your insurance policy is a last resort and you may well be far better off sorting the problem out yourself.........

Quentin

InsideInsurance wrote: »

I believe they mean they have marked the claim on CUE as having been made and subsequently withdrawn not that they have removed the fact a claim/ loss ever happened

We don't know what they meant (though the agent the OP spoke to probably consulted the inhouse record rather than what is marked on CUE), but this was the misleading bit:

...I was advised that..... as the claim was withdrawn and nothing paid out, it should not affect my renewal premium.

TSx

Quentin wrote: »

We don't know what they meant (though the agent the OP spoke to probably consulted the inhouse record rather than what is marked on CUE), but this was the misleading bit:

It is misleading - however I suspect they were referring to RSA's premium rather than the whole market. When I used to deal with these kind of things I'd always explain the claim would be marked as withdrawn and there would be no impact on their renewal premium with whichever scheme we worked with (e.g Saga).

Unlike motor insurance, in home insurance, it's still quite rare for losses with no claim to result in a loaded premium. We work with a lot of different companies and none of them* increase the premium as a result of a claim which wasn't actually proceeded with.

* Budget are the only one I'm not sure about - I just tried playing around with their online quoting system and when I added a loss which wasn't claimed for, it told me no insurers on their panel could quote...

*Scarlett

Whilst this will be recorded as a loss it will probably not affect your no claims with most insurers - it was covered under warranty so in fact there was no loss!

If it was something like a burglary or liabilty incident that had happened and you reported it to the insurer but did not proceed with the claim then this could be different.

If you want to shop around at your renewal, do so. Ring any competitive companies to clarify if they want to put this down as a claim. I would say that they may note the incident but you will probably still get your ncd.

Also, too many incidents, losses even if you have not completed a claim can affect future insurance.