Disclose home insurance claim?

renisameal

Hello wonderful people
I made a claim on my home building insurance for storm damage . I got the repair paid for outside of the claim.. I contacted my insurance and asked them to close the claim. Nothing was paid out (we did have a surveyor from the insurance company come out but the claim was closed before his visit ) 
Do I need to say I have made a claim on my renewal? Saying yes with £0 amount claimed is showing a £60 difference in my renewal 
Thanks for reading !

dunstonh

Do I need to say I have made a claim on my renewal?

yes.   A nil loss claim is still a claim.

DullGreyGuy

It's still a claim and its unlikely that the surveyor works just for the love they feel from claimants... though if he is an employee of the insurer then it may be an unallocated claims cost. 

renisameal

DullGreyGuy said:

It's still a claim and its unlikely that the surveyor works just for the love they feel from claimants... though if he is an employee of the insurer then it may be an unallocated claims cost. 

What is an unallocated claims cost? 

DullGreyGuy

renisameal said:

DullGreyGuy said:

It's still a claim and its unlikely that the surveyor works just for the love they feel from claimants... though if he is an employee of the insurer then it may be an unallocated claims cost. 

What is an unallocated claims cost? 

Unallocated claims costs are the background costs an insurer has for running a claims department like the rent on the office, the computers and software people use, the employees salaries, team managers salaries etc. These are all claims costs but they don't get divided up against individual claims files.

Unallocated claims costs don't get recovered from third parties or reinsurers which is why outsourcing can be helpful as rather than employing your own staff as an unallocated cost you pay a third party £60 a claim to handle it and now you have an allocated cost for recovery.