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Does a rejected home insurance claim count as a claim on a renewal?
Travelia
Posts: 1 Newbie
Hi all,
I am in the process of moving from Natwest insurance due to a nearly 50% increase in my monthly bill. I am in the process of investigating other suppliers but need some advice on the question.
Last year we found that the a beam in the house was rotten due to a leak that must have been going on for years and when I made the claim Natwest rejected it claiming wear tear.
As it was a rejected/refused I am guessing this still classes as a claim on any new application. I just wanted some confirmation.
Many thanks!
I am in the process of moving from Natwest insurance due to a nearly 50% increase in my monthly bill. I am in the process of investigating other suppliers but need some advice on the question.
Last year we found that the a beam in the house was rotten due to a leak that must have been going on for years and when I made the claim Natwest rejected it claiming wear tear.
As it was a rejected/refused I am guessing this still classes as a claim on any new application. I just wanted some confirmation.
Many thanks!
0
Comments
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Yes, a claim irrespective if it's paid out, withdrawn, denied, below the excess etc all are still declarable as claims. Obviously if they go on to ask how much the claim was for or what the settlement was it will be a relatively low number to 0 depending on the exact question and how the claim was handled0
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Last year we found that the a beam in the house was rotten due to a leak that must have been going on for years and when I made the claim Natwest rejected it claiming wear tear.That's a shame. That would be routine maintenance and not declarable to insurers had you not attempted to claim. But as you did attempt, as DDG says above, you need to declare it.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Sorry to drag this one up from the depths - but having a similar issue. In my circumstance we started a claim as we were concerned by cracks in the wall of our house potentially being subsidence. The insurance company came out and determined it wasn't subsidence (after an engineers report) and so no need to claim - I just had to complete the repairs myself. When doing the online comparison checks it says enter the value of the claim but I can't select 0 (it says the claim must be for more than £50). I'm not sure what I should do as I can't complete the survey without putting in a value - but have had confirmation from the insurer that it was £0... Any ideas? I'm going to call the prospective insurer tomorrow and discuss with them as I'd like some certainty on what to do next but would welcome any thoughts!0
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Put the lowest amount it will allow you. For some insurers the claim would have been a couple of hundred for the engineers report if they rely on external engineers0
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