Home Insurance in war

MouldyOldDough

I understand that Civil Unrest may null and void a home insurance policy ?
What about actual war ?

shiraz99

Read your policy.

bris

It;s usually excluded by default, never nothered to ask but I doubt you could get cover for a bombing run on your house.

casper_gutman

Pretty standard for this not to be covered. My policy says it excludes "Any loss, damage, liability, cost or expense of any kind caused directly or indirectly by war, invasion or revolution."

Alter_ego

MouldyOldDough said:

I understand that Civil Unrest may null and void a home insurance policy ?
What about actual war ?

Do you know something you're not telling?

MouldyOldDough

Alter_ego said:

MouldyOldDough said:

I understand that Civil Unrest may null and void a home insurance policy ?
What about actual war ?

Do you know something you're not telling?

Possibly just a worry, a niggle 

Andy_L

casper_gutman said:

Pretty standard for this not to be covered. My policy says it excludes "Any loss, damage, liability, cost or expense of any kind caused directly or indirectly by war, invasion or revolution."

I vaguely recall that in those sort of circumstances the Government is expected to act as the insurer of last resort. 

Sandtree

Andy_L said:

casper_gutman said:

Pretty standard for this not to be covered. My policy says it excludes "Any loss, damage, liability, cost or expense of any kind caused directly or indirectly by war, invasion or revolution."

I vaguely recall that in those sort of circumstances the Government is expected to act as the insurer of last resort. 

I'm not sure there is any governmental promise of that nature, indeed the War Damage Act 1965 (updated in 1995) removed any common law ability for someone to sue the government for damages caused by war to their property. If we look at the previous war impacting UK soil then a commission was setup to contribute towards repair costs and so its likely such a thing would be repeated but I'm not sure there is a legal obligation for them to do so and records from the time said the previous commission wasn't sufficient in monies paid.

For terrorism you have Pool Re in the UK and TRIA in the US but these are reinsurance schemes for insurers and so your primary policy must offer the cover still. One of the challenges of both these schemes is that it requires the event to be formally declared an act of terrorism and whilst the press, police and even MPs/PM may be calling them terrorist acts until the formal process does the reinsurance doesn't respond... some events have taken months to be formally declared.

casper_gutman

Andy_L said:

casper_gutman said:

Pretty standard for this not to be covered. My policy says it excludes "Any loss, damage, liability, cost or expense of any kind caused directly or indirectly by war, invasion or revolution."

I vaguely recall that in those sort of circumstances the Government is expected to act as the insurer of last resort. 

In the event of invasion or revolution: which Government? The outgoing one could promise what they liked, but would the incoming one feel bound by this?

Thrugelmir

MouldyOldDough said:

Alter_ego said:

MouldyOldDough said:

I understand that Civil Unrest may null and void a home insurance policy ?
What about actual war ?

Do you know something you're not telling?

Possibly just a worry, a niggle 

Emigrate is one option. 

MouldyOldDough

Alter_ego said:

MouldyOldDough said:

I understand that Civil Unrest may null and void a home insurance policy ?
What about actual war ?

Do you know something you're not telling?

Alter_ego said:

MouldyOldDough said:

I understand that Civil Unrest may null and void a home insurance policy ?
What about actual war ?

Do you know something you're not telling?

Possibly just a worry 

Thrugelmir said:

MouldyOldDough said:

Alter_ego said:

MouldyOldDough said:

I understand that Civil Unrest may null and void a home insurance policy ?
What about actual war ?

Do you know something you're not telling?

Possibly just a worry, a niggle 

Emigrate is one option. 

To where ?

bear in mind that I don't like snakes or large spiders..........

So that's Australia out

Also - prefer not to be around Earthquakes - so that NZ out too !