London property - ins denied

MrsNubs

Agree with the above. When we moved, I contacted our existing insurer to see if we could transfer the insurance to the new house. They said they couldn't insure our new house as they don't cover properties with more than 5 bedrooms. I have never classed this as 'insurance declined'

daveyharding

Thanks everyone for all the messages. We tried a few online tools but felt we had to declare the issue as it's in the structural survey. Got turned down by another one, but got advised to speak to the British insurance brokers association (BIBA), and they pointed us to specialist insurance for this sort of issue. Ended up costing a bit more than planned (not too much) and excludes subsidence cover until the work is done. A bit frustrating as we've had builder quotes and the works are really minor, and we prob could have got away with getting an online one and doing the work. But we were worried we wouldn't be covered if we didn't declare it.

Anyway, we're sorted now - so thanks for all the advice and help, really appreciated!

BrassicWoman

PField wrote: »

I am pretty sure "Have you ever had insurance declined' is if your house burned down 1 too many times and you claimed on insurance and the insurance company says we are not going to insure you anymore after your insurance runs out. Not because a particular insurance company does not insure certain properties like flats above a chippy or a house with a cosmetic crack.

The question is usually phrased something like "Have you ever had insurance declined, cancelled, voided or had special terms imposed"

I don't think the purchaser of the insurance gets to interpret what that means. That's like, "oh, I thought you meant no dogs except sheep dogs" or "I thought the sign meant 30mph if it was raining."

It's been declined here. Therefore I would be phoning, not using the internet; it's going to need a conversation. Or, using a broker.

Cirias

BrassicWoman wrote: »

The question is usually phrased something like "Have you ever had insurance declined, cancelled, voided or had special terms imposed"

I don't think the purchaser of the insurance gets to interpret what that means. That's like, "oh, I thought you meant no dogs except sheep dogs" or "I thought the sign meant 30mph if it was raining."

It's been declined here. Therefore I would be phoning, not using the internet; it's going to need a conversation. Or, using a broker.

I think it's a lot less serious than having a claim declined by the insurer. But I think you're right in that it could be interpreted several ways and a phone call will clear it up.