Fence down.........

melbury

[Deleted User] wrote:

Hi,



have a read of this.

Well all I can say is that my insurance company have assured me this is not the case at all.

You have to admit it sounds a bit crazy.

chris_n_tj

melbury wrote: »

Well all I can say is that my insurance company have assured me this is not the case at all.

You have to admit it sounds a bit crazy.

You are very lucky. TSB did this to us and upped our excess to £300. Had been with them for years and only ever claimed once. We moved to another company and told the new insurer which was noted on our policy. xx

FlameCloud

melbury wrote: »

Well all I can say is that my insurance company have assured me this is not the case at all.

You have to admit it sounds a bit crazy.

What your insurers deem as a claim maybe different to what others deem a claim. You need to be careful with the disclosure questions as if it asks about general incidents then it will require disclosure as it will likely have been recorded on CUE if the insurers set up any form of electronic file for it.

Quentin

melbury wrote: »

Well all I can say is that my insurance company have assured me this is not the case at all.

You have to admit it sounds a bit crazy.

Who told you this from your insurers? You need this confirming back to you in writing.

The question you are asked about previous history is along tbe lines of "have you had any claims or losses in the last x years". Nothing your present insurer has told you relieves you from disclosing this loss, unless of course you remain with them.

As long as you have it in writing you will have a "defence" should this issue cause any problem in future years.

superbigal36

Well if you dont tell them who you are when you make the general enquiry they certainly cant update your records.

Either that or state you are asking a "hypothetical question"

melbury

superbigal36 wrote: »

Well if you dont tell them who you are when you make the general enquiry they certainly cant update your records.

Either that or state you are asking a "hypothetical question"

Oh they knew who I was, they asked me the policy number.

Should be alright though as no insurance company appears to cover storm damage to fences.

System

Supposing your fence hasn't blown down, but you are just asking the hypothetical question would it be covered if it did?

Does that make you the kind of risky person whose fence might blow down?

We were told in another thread that as long as the rising floodwater has not yet reached your house, you would still be covered if you took out immediate flood cover.
So you would not be penalised for taking out cover for a known risk, but would be if you merely asked hypothetically whether such a risk was covered?

mgdavid

[Deleted User] wrote:

Hi,

have a read of this.

oh dear, another who believes what they read in the daily newspapers....

melbury

Clifford_Pope wrote: »

Supposing your fence hasn't blown down, but you are just asking the hypothetical question would it be covered if it did?

Does that make you the kind of risky person whose fence might blow down?

We were told in another thread that as long as the rising floodwater has not yet reached your house, you would still be covered if you took out immediate flood cover.
So you would not be penalised for taking out cover for a known risk, but would be if you merely asked hypothetically whether such a risk was covered?

I think that all insurance companies are well aware of the adverse weather conditions currently being experienced.

I don't think I have ever made a claim on home insurance, so I don't think I am a risky person:(

melbury

mgdavid wrote: »

oh dear, another who believes what they read in the daily newspapers....

Exactly, if this were indeed the case, then nobody would dare telephone their insurance company with any kind of query, which is totally ridiculous.

I am sure they are being inundated with enquiries at the moment about far more serious things than fences blowing down;)