Insuring new home

jmillner

Hi,

Im currently looking at quotes for insurance on a house I am buying that we have just exchanged on. I've been on an online comparison website and there is a question on there - how many continuous years have you held contents insurance without making a claim?. I thought the answer was 8 years - I based this answer from when I purchased my current property till when I first made a claim in 2013. I made another claim for damage to contents last year. I'm confused as to what to put because I have spoken to an insurer that I have looked at and she is saying that this means I have no years no claims insurance built up on contents so I called my present insurer and they are saying I have four years no claims on contents but that they cant advise me as to what I should be entering in this box.

Apologies if I havent worded this question very well I am up to my eyes in boxes at the moment and have a baby to look after.

I just want to make sure I am entering truthful and accurate information on the form. Any advise would be greatfully appreciated,

Thanks

Torry_Quine

If you made a claim last year then you have 0 years contents insurance without making a claim. I presume the 4 years is like the NCD with car insurance and you build it up but it doesnt necessarily reset to 0.

kingstreet

jmillner wrote: »

how many continuous years have you held contents insurance without making a claim?

till when I first made a claim in 2013. I made another claim for damage to contents last year

The NCD stuff is a smokescreen.

Answer the question that is asked.

The answer is 0 as you last claimed in 2015.

jmillner

Thanks much appreciated

pinkteapot

Effectively, that question is "How many years since your last claim?", not "In your whole life, what's the longest you ever went without making a claim?".