Fence down.........

Quentin

melbury wrote: »

I just can't believe all the stuff on here about an enquiry counting against you.

Anyway enough on the subject.....

No-one is wanting to scaremonger, or tell you lies.

Many don't realise the significance of this issue.

Insurers are quick to record any reported loss (not just successful claims) on the database. An "enquiry" to you could be a "reported loss" to them!

Any loss on your record can result in a premium increase, and of course any undisclosed loss to future insurers can be considered a fraudulent application if/when they find out about it.

(There are lots of examples of these issues reported on MSE forums and across the net)

*Scarlett

The loss may be recorded against the policy and with many companies it will not have an adverse affect on your future premiums (although there may be some that will reduce ncd).

This should not hamper your ability to get new q's at renewal time. Get q's onine & if in doubt ring any competitive insurers directly.

If you were to have more claims / incidents in the next couple of years it may pose a problem if you needed to claim in the future as this is when they generally check these things and an insurer may decide to decline future cover.

Many companies will only be concerned about unreported claims for theft, laibility, malicious damage so a fence blowing over may be ok.

For the future, many insurers offer an extra "garden" cover that will cover fences for storm damage.

rs65

*Scarlett wrote: »

For the future, many insurers offer an extra "garden" cover that will cover fences for storm damage.

Which insurers?

Quentin

*Scarlett wrote: »

..........For the future, many insurers offer an extra "garden" cover that will cover fences for storm damage.

The op started this thread to ask this very question!

Who are these "many insurers"??

TSx

Quentin wrote: »

The op started this thread to ask this very question!

Who are these "many insurers"??

Saga do - but only if the home is damaged at the same time (eg tile coming off roof)

*Scarlett

You can get an optional extra "garden cover" eg from RIAS which covers fencing for storm damage at an extra cost.

http://www.rias.co.uk/global/policy-documentation/485-08.13-2361%20home%20insurance%20policy%20booklet.pdf#page=49

I can't believe they are the only insurer to offer such a product.