House insurance increases after claim....

[Deleted User]

How much difference does it make? A lot or a little or depends on amount...

I've got personal affects cover, and my expensive(ish) headphones got lost/stolen. I'll have to check the excess but chances are the claim will be about £100.

Worth bothering with insurance claim or is it going to cost me more in the long run with increased premiums?

lisyloo

Gut feeling is not worth claiming,
If you are declaring a no claims bonus then you'll lose that and get loaded for a few years to come, so add it all up and it's not worth it.
Insurance isn't a lot of use for small claims unless it's got no penalty (like say travel ins or some employer medical schemes).

[Deleted User]

lisyloo wrote: »

Gut feeling is not worth claiming,
If you are declaring a no claims bonus then you'll lose that and get loaded for a few years to come, so add it all up and it's not worth it.
Insurance isn't a lot of use for small claims unless it's got no penalty (like say travel ins or some employer medical schemes).

Yeh was thinking that.

rs65

[quote=[Deleted User];discussion/5461588] I'll have to check the excess[/QUOTE]

That's the starting point. Were you not saying the other day about people should read what they've bought?

[Deleted User]

rs65 wrote: »

That's the starting point. Were you not saying the other day about people should read what they've bought?

I was indeed. Of course, I would have read it at the time but I don't remember exact details of every insurance policy I have (car, house, travel, pet etc) of course.

rs65

What is your excess?

[Deleted User]

rs65 wrote: »

What is your excess?

£50 just chccked.

rs65

Run a dummy quote through a comparison site with a £50 claim and see how much the premium is compared to no claim. Redo with claim in April 2015 and again in April 2014. That will give you an idea of effect over three years. Don't use identifying details