Declaring home alterations to insurer

Glastoun

I'm renewing buildings and contents insurance and wanted to get a quote from the existing insurer. They asked if there were any changes to the building over the last 12 months, so I said yes we've removed an internal wall, professional builder, and building warrant approved and received.

They said they won't give a quote unless we provide the builders' details, insurer and policy number, and their public liability insurance. If I ask for a quote from a new insurer they don't seem bothered about any of this.

Is it usual to ask for this stuff? If so they've lost a sale because I'm not going back to the builder to get their details, and quotes from other insurers are about the same price anyway.

rs65

Glastoun wrote: »

Is it usual to ask for this stuff?

Its possible that you should've informed them when it was carried out - what does your policy say? Bit pointless asking after the event other than to confirm it was carried out correctly which the building warrant would do.

Glastoun

rs65 wrote: »

Its possible that you should've informed them when it was carried out - what does your policy say? Bit pointless asking after the event other than to confirm it was carried out correctly which the building warrant would do.

I checked the actual policy and it just said that the insurance excluded claims for damage caused by any alterations, with no requirement to inform them of any alterations, so I guess they've lost a sale.