House Insurance - NCD after bereavement?

Hi All,
I'm trying to sort out my MiL's house insurance.
Her husband passed away just over a year ago, and the house insurance was in a joint policy.
Now that she can no longer hold a joint policy, can she continue to claim the NCD from the joint policy? Or does the NCD have to start from scratch?



  • 400ixl
    400ixl Posts: 2,642
    First Anniversary First Post Name Dropper
    House insurance does not usually have an NCD in the same way as motor. It is just a question about whether you have had any claims. If it was a joint policy then they just answer the same way for their own policy.
Meet your Ambassadors


  • All Categories
  • 341.8K Banking & Borrowing
  • 249.7K Reduce Debt & Boost Income
  • 449.2K Spending & Discounts
  • 233.9K Work, Benefits & Business
  • 606.1K Mortgages, Homes & Bills
  • 172.5K Life & Family
  • 246.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.8K Discuss & Feedback
  • 15.1K Coronavirus Support Boards