Home Insurance Quote T&Cs

S_kennedy

I am in the process of changing insurer. As far as I was concerned I had not made a claim against my existing policy and was baffled to be informed that I had. When I queried this I was informed that as I had contacted my current insurer two years ago regarding a potential claim ( which I did not proceed with as during the conversation I discovered my policy did not cover the incident in question), that this effectively constituted an actual claim meaning that my quote from the new provider was increased. I had no idea that this is common practice amongst insurers and I don't think this is adequately explained in the T&Cs. I would like to challenge this lack of clarity within the T&Cs and wonder if others have come across this situation and what people think.

Thanks


Thanks

FutureGirl

It is a common thing across all insurers, with home and motor insurance.

Your policy isn't going up because of the 'claim', it's going up because of the 'incident'. For example if you have one accidental damage incident, statistics show that you're likely to have another one, therefore you're a higher risk.

Also, when you're doing quotes, the question asked is about claims or losses / incidents.

S_kennedy

Thinking about this now this statistical rationale of course makes sense but I'm not sure that this is clearly explained in the T&Cs and from my discussion with the new insurer this is something that they tell me frequently comes as a surprise to people. So I guess it's this aspect of the issue I ' m considering challenging.

paddyandstumpy

The T's and C's is the wrong thing to try and challenge.
What question was asked of you? Have you had any claims or losses in the last X years? If so, then you're obligated to disclose the incident, as a loss occurred.

Nearlyold

paddyandstumpy wrote: »

The T's and C's is the wrong thing to try and challenge.
What question was asked of you? Have you had any claims or losses in the last X years? If so, then you're obligated to disclose the incident, as a loss occurred.

As above it's your potential new insurer who is asking the question. Whether or not your previous insurer covered the point in their T&Cs is not really relevant, even if it was, what you would be essentially saying is, because your previous T&Cs did not make the issue clear, you have been unable to mislead the new insurer as to your claims or loss history.