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Bankruptcy - contents insurance?

I am on the hunt for a contents insurance for my flat - and was surprised that MoneySupermarket (guide) was asking the following questions:
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- Have not been declared bankrupt.

Is this for active/current bankruptcy only or for any bankruptcy even if it took place over 10 years ago? In 2014, my bankruptcy was erased from my credit files and all is good since with credit reports, etc.

Many thanks in advance.

Comments

  • As the question isn't time limited you should declare it.
  • Nasqueron
    Nasqueron Posts: 11,035 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Even if bankruptcy drops off your credit record it is a matter of public record on the register. Don't be tempted to lie about it. See a local insurance broker for advice

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • luvchocolate
    luvchocolate Posts: 3,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    My B.R was 6 years ago....always declared it when asked and never had a problem getting contents insurance.
    It really should not be a problem just remember if asked...have you ever been B.R you must answer yes
  • dacouch
    dacouch Posts: 21,636 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Directline and Co op often have a more reasonable time limit on bankrupts
  • luvchocolate
    luvchocolate Posts: 3,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    Last year went with Yorkshire B.S £56 for the year ...£50 love to shop voucher!!!! B.R no problem, Post Office also O.K.
  • newuser78
    newuser78 Posts: 187 Forumite
    Thanks all!

    So does this mean that I cannot proceed with MoneySupermarket?
  • Nasqueron
    Nasqueron Posts: 11,035 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    The site asks you to confirm you have not been made bankrupt if you want to proceed. If you say confirm that you are lying and it will invalidate your insurance. You don't need to use comparison sites when a broker could do it for you

    Sam Vimes' Boots Theory of Socioeconomic Unfairness: 

    People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.

  • luvchocolate
    luvchocolate Posts: 3,410 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Home Insurance Hacker!
    Just check with the company showing a reasonable amount and read their T&C...check their assumptions.
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