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new building insurance - previous claims in residents association ??
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hazyfish
Posts: 13 Forumite


Hello, I am about to buy a house and have started to look for house (building and contents) insurance. I am filling out the comparison website forms to get quotes and there's a question about how many years i've had buildings insurance and how many years of no-claims.
I'm not sure how to answer this question. I previously owned a flat in London, whcih was part of a residents association which was a group of 4 flats including mine. We bought buildings insurance under the name of the residents association - the whole building, and not our individual names. Can i therefore say that i have had buildings insurnace or does it not count because it wasn't me personally doing it on my own ?
To make matters a bit more commplicated we did make a few quite pricey claims because of leaky pipes in the flat above ours - do i need to declare these ? i'm hoping not but i need to be honest !
any advice gratefully received
thanks and all the best
harriet
I'm not sure how to answer this question. I previously owned a flat in London, whcih was part of a residents association which was a group of 4 flats including mine. We bought buildings insurance under the name of the residents association - the whole building, and not our individual names. Can i therefore say that i have had buildings insurnace or does it not count because it wasn't me personally doing it on my own ?
To make matters a bit more commplicated we did make a few quite pricey claims because of leaky pipes in the flat above ours - do i need to declare these ? i'm hoping not but i need to be honest !
any advice gratefully received
thanks and all the best
harriet
0
Comments
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I'd say no to both questions, you've never had buildings insurance in your own name which means the claims aren't "yours" to disclose.
If you tick yes in the hope for a discount, you'd be obliged to declare the claims as well.0
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