Home insurance claim question

zorber

I am trying to put a relative small insurance claim through for a damaged Item that was dropped, it was only a few days old. The insurance policy had started a few weeks before.
My excess eats up about 60% of the would be claim.
The insurer has just emailed this  "Do you have your previous insurance documents which you would be able to send to me for your file."
why would they want my previous insurance documents on a now expired policy? and do i  now have to hunt them out and give it to them? I dont see the relevance of this?

rs65

zorber said:

The insurance policy had started a few weeks before.

Sounds like they want to know you have had continuous cover and not just taken out this policy to make a claim
Is there any harm in providing it?  If the item was a few days old, your receipt might help too

zorber

But what does it matter, I have had continuous cover, the receipt i have already submitted proves i purchased the item after the insurance was taken out. I could understand your point if it purchased before cover commenced but i dont see the insurance companies relevance here  

rs65

zorber said:

But what does it matter, I have had continuous cover, the receipt i have already submitted proves i purchased the item after the insurance was taken out. I could understand your point if it purchased before cover commenced but i dont see the insurance companies relevance here  

Well that was the only reason I can think of.  Ask them, refuse or comply.  I would comply as it will get the claim paid quicker.
I can't see a downside to it unless it shows something different to what you declared when taking out the new policy.

TELLIT01

Even if you don't have documentation you can tell them who you were previously insured with.  I can't see any reason not to do that.  Also bear in mind that your premium will probably go up next year and may take some years to drop to the equivalent level of the current policy.  If the excess is taking 60% of the claim value, I would question the sense of making the claim.

greyteam1959

I would not have made that claim.

csgohan4

you will likely pay more in premiums over the next few years, just because you can claim, doesn't  mean you should