Home Insurance Quotes and Historical Subsidence

DavidM11

Hi
Our house and before we bought it suffered from subsidence in 1985, the house was underpinned and everything has been fine for the past 35 years. However when it comes to home insurance we are being penalised with quotes between £550 - £720. If the house had not suffered from subsidence the same quote is £165, this is a huge saving!
Surely after all this time and the fact the house was underpinned the house is not at risk anymore? what can i do as all the questionnaires ask if the house has ever suffered from subsidence, we must be able to save some money here.
thanks
David

TELLIT01

Go through a broker.  The online systems generally can't differentiate between levels of risk.  They just see the answers and do the calculation based on that.

Nebulous2

Have you tried Direct Line? I’ve known them to take a house with historic subsidence. They asked for a copy of the homebuyers report. 

dunstonh

Are you doing these quotes through comparison sites or a broker?
Comparison sites target the simple and penalise the rest.   In cases like this it is worth using a broker or going with a quality provider like NFU.    (we use NFU as we have constant movement as the property is part 16th Century and on clay  Houses in our area get cracks every hot and dry summer. It's considered normal.  It went to an underwriter who made a decision on the basis of the information and not a computer automatically rating it).