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Bit confused about non-claim & loss of NCB
Marmot
Posts: 53 Forumite
Hi, not sure if I'm being a tad naive here but towards the end of last year (whilst remortgaging) my new lender's surveyor identified some problems with some wood rot to the rear staircase in my rented maisonette.
It's an internal staircase and the area (according to the surveyor I then employed to assess the problem) had been affected by wet rot most likely emanating from the downstairs neighbour's bathroom.
There was a certainly a chance that this was due to a historical event when my downstairs neighbour, 3 years previously, had pushed his new bath through my stairwell wall ... He was putting in a new bathroom and his builders 'noticing' that the new bath was too big for the space began hitting the bath with a hammer until it pushed through my stairwell wall - incredibly my tenant filmed the whole thing too....)
Anyway, several years on with a very rotten staircase I attempted to claim via my insurance policy as my neighbour was adamant that there were no problems from his property ( and never had been!) .... so my insurance company (Zurich) sent someone to my property who then repudiated my claim.
So at my own expense I've had an plumber check out next door's bathroom and then I've employed a builder to replace the area of rotted staircase and replaster the wall where necessary.
So when it came to renewing my insurance policy this week suddenly my premium has leapt up by 20%, apparently in relation to a 'settled claim' of £80 which appears to be the cost of Zurich's guy turning up at my property and deciding they wanted nothing to do with it.
Am I being very naive in thinking that a repudiated claim would not affect my NCB?
Sorry bit of a long story and perhaps I'm just naive about the way insurance works....?
Thanks for any advice.
Marmot.
It's an internal staircase and the area (according to the surveyor I then employed to assess the problem) had been affected by wet rot most likely emanating from the downstairs neighbour's bathroom.
There was a certainly a chance that this was due to a historical event when my downstairs neighbour, 3 years previously, had pushed his new bath through my stairwell wall ... He was putting in a new bathroom and his builders 'noticing' that the new bath was too big for the space began hitting the bath with a hammer until it pushed through my stairwell wall - incredibly my tenant filmed the whole thing too....)
Anyway, several years on with a very rotten staircase I attempted to claim via my insurance policy as my neighbour was adamant that there were no problems from his property ( and never had been!) .... so my insurance company (Zurich) sent someone to my property who then repudiated my claim.
So at my own expense I've had an plumber check out next door's bathroom and then I've employed a builder to replace the area of rotted staircase and replaster the wall where necessary.
So when it came to renewing my insurance policy this week suddenly my premium has leapt up by 20%, apparently in relation to a 'settled claim' of £80 which appears to be the cost of Zurich's guy turning up at my property and deciding they wanted nothing to do with it.
Am I being very naive in thinking that a repudiated claim would not affect my NCB?
Sorry bit of a long story and perhaps I'm just naive about the way insurance works....?
Thanks for any advice.
Marmot.
0
Comments
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You DID make a claim, so you lose the bonus for making no claims.
It's not a "no successful claims bonus".
If you have some strong evidence then why don't you take the person that caused the damage to the small claims court?0
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