Home insurance no claims.

shezza2

Hi all I am just filling in a form for home insurance and it is asking about claims with my last insurance company. there is a scale 0 to 9+ years, I made a claim last year but previous to that claim I had never claimed in 40+ years. Do I go back to zero because of that claim.........TIA 

400ixl

Yes, there isn't such a thing as protected no claims in home insurance. You are back to zero years since last claim.

DullGreyGuy

400ixl said:

Yes, there isn't such a thing as protected no claims in home insurance. You are back to zero years since last claim.

Actually there is @400ixl, Quote Me Happy for example offers one. https://help.quotemehappy.com/home-insurance/my-cover/can-i-protect-my-home-insurance-no-claim-discount/

shezza2 said:

Hi all I am just filling in a form for home insurance and it is asking about claims with my last insurance company. there is a scale 0 to 9+ years, I made a claim last year but previous to that claim I had never claimed in 40+ years. Do I go back to zero because of that claim.........TIA 

What is the actual question it's asking? Most home insurers don't operate a "NCD" and so ask you how many years has it been since your last claim in which case you'd have to enter 0 (or 1 depending on when the claim was relative to renewals etc) 

Some instead ask "how many years NCD do you have" which becomes more tricky to answer given most don't offer NCD but in principle could be 9+ had you been with one of the minority of insurers that allow you to protect the NCD