Home insurance - claim or pay by myself?

javixeneize

Hi

I need to fix a patio door, and it will cost around £75

I don’t understand very well how home insurance works, so I need a bit of advise on how claims affect your policy price, etc...

Should I pay this by myself, or should I do a claim with the insurance to have this fixed?

[Deleted User]

How much is your excess? It's a very small amount to claim for.

Reardoa

Your excess is likely £50 minimum so you will only gain £25 plus losing your no claims discount if you have any. I wouldn't claim for that. It may not be a valid claim anyway. Is it simply broken or has it been accidentally damaged for example?

Quentin

A claim always affects future premiums (they have to be disclosed to insurers who usually ask about any claims during the previous 3/5 years)


Do dummy quotes online now with and without this in you history to see what difference this claim makes to future premiums


Don't contact your insurer about this unless you are certain you want to make a claim (it will be recorded against your history as a loss even if you don't claim, and most insurers do also ask for your history of losses as well as claims)

katejo

javixeneize wrote: »

Hi

I need to fix a patio door, and it will cost around £75

I don’t understand very well how home insurance works, so I need a bit of advise on how claims affect your policy price, etc...

Should I pay this by myself, or should I do a claim with the insurance to have this fixed?

What happened to the door? Did you have an accident? Personally I would not claim for such a small amount. If the door is just old and worn out, you won't have a case anyway.

AstroTurtle

Quentin wrote: »

A claim always affects future premiums (they have to be disclosed to insurers who usually ask about any claims during the previous 3/5 years)


Do dummy quotes online now with and without this in you history to see what difference this claim makes to future premiums


Don't contact your insurer about this unless you are certain you want to make a claim (it will be recorded against your history as a loss even if you don't claim, and most insurers do also ask for your history of losses as well as claims)

Probably best not to go telling 100's of insurers on an comparison site you may of intended to claim. They retain those records so any future quotes not having similar claims information to the dummy quote could be seen as non-disclosure and they will investigate even further if they believe you lied (Which you didn't as it was a Dummy Quote) but still.... for a £75 claim and a minimum of a £50 excess. Just pay it yourself in my book.

Quentin

AstroTurtle wrote: »

Probably best not to go telling 100's of insurers on an comparison site you may of intended to claim. They retain those records so any future quotes not having similar claims information to the dummy quote could be seen as non-disclosure and they will investigate even further if they believe you lied (Which you didn't as it was a Dummy Quote) but still.... for a £

You miss the point behind doing dummy quotes!

AstroTurtle

Quentin wrote: »

You miss the point behind doing dummy quotes!

And you've missed the point behind how sophisticated Comparison sites are.


You can make dummy names, they will still link the address.


You are also implying that someone who can't figure out whether to make a home insurance claim for £25 would have the knowledge to avoid being caught doing dummy quotes.

Blibble

AstroTurtle wrote: »

And you've missed the point behind how sophisticated Comparison sites are.


You can make dummy names, they will still link the address.


You are also implying that someone who can't figure out whether to make a home insurance claim for £25 would have the knowledge to avoid being caught doing dummy quotes.

You've missed the point of a dummy quote. You enter the post-code, and a different property number for that policy.

I've also never come across evidence that information inputted into a price comparison site can load a premium, otherwise I'd be screwing my neighbour over good and proper.

Quentin

AstroTurtle wrote: »

You can make dummy names, they will still link the address.


You are also implying that someone who can't figure out whether to make a home insurance claim for £25 would have the knowledge to avoid being caught doing dummy quotes.

How will a quote for m.mouse esq 2 streets away ever get linked??

Your final paragraph is a bit rich coming after that penultimate one (as well as unnecessarily unpleasant)