Insurance quote form-number of bedrooms and claims question?

johnsmi

Hi folks,


Just wondering about these when filling in for online building and contents quotes.


1 As regards number of bedrooms if you have a bedroom that is used for something else no bed in it, used as a storage area or having other stuff in it, so basically a storage room/utility room should it be counted as one of your bedrooms, even though that may well be layout previously?


2 as regards previous claims for example for a lost phone on a travel insurance policy I find that a lot of the well known insurance quote sites are really vague as to how you answer this, they do ask if anyone in household has made a claim, but when I click yes then I find that there isn't really an option to select that it is a travel insurance claim, just options for contents, do you find this too?


Thanks
John

pinkteapot

1. If an estate agent would call it a bedroom, call it a bedroom. In most houses, the number of upstairs rooms. It doesn't matter how you're using them. Insurers use this as an indication of the size of the house. If you're in a five bedroom house but only have one bed, don't put down that it's one bedroom!

2. Previous claims questions will usually relate to house insurance claims only. If the claim was made on a travel insurance policy, you won't normally need to put that down, but it depends on the exact wording of the question. Same as applying for car insurance - previous claims means previous car insurance claims.

In general - if in any doubt about how to answer a question, phone them and ask. Note the date and time. If you subsequently have a claim and they query information supplied when you took the policy out, you're covered.

InsideInsurance

pinkteapot wrote: »

If the claim was made on a travel insurance policy, you won't normally need to put that down, but it depends on the exact wording of the question. Same as applying for car insurance - previous claims means previous car insurance claims.

As the above, you need to answer the question asked but questions do tend to be a bit broader than the above suggests.

Car is simple, they normally ask about Motor claims AND incidents and so if you have a taxi and private car policy you do have to declare the accidents you have in the taxi on your private car.

Home is messier because its much more common for it to be possible to have multiple insurances that cover a single incident (eg the OP example could be covered by Travel, Home, Gadget and even some "warranty+" type policies). Secondly its also much more hit or miss if they ask for incidents in addition to actual claims.

I'd very much echo the final point though, if in doubt, ask.