Home insurance cancelled due to neighbour's work?

BarelySentientAI

Kai_63 said:

DullGreyGuy said:

Seeing as we are talking about Compare the Market, their question on building work is:

Is your flat undergoing any building work? Answer yes, if there’s any ongoing or incomplete building work. You don’t have to tell us if you’re just hanging a picture on the wall.

As such you'd not be obligated to inform them of work being done in a neighbouring flat. 


The issue is "your property" is your flat not the general building and so should be answered in relation to your flat not the building. Were that not the case my old flat in student times wouldn't have been able to get any quotes as the ground floor door to the building had no lock at all and no insurer offers the option of "no lock" when declaring security. 

If the door to your flat is only an internal door then I'd be getting that changed promptly, it could also have issues with fire safety rules given your door opens to a communal corridor and not the outside world. 

I was just trying to illustrate that the main external door is more like a traditional door with letterbox and window panes etc. 

Yes, but that's not the door to your property.

It's the door to someone else's property, and is therefore irrelevant.

Kai_63

BarelySentientAI said:

Kai_63 said:

DullGreyGuy said:

Seeing as we are talking about Compare the Market, their question on building work is:

Is your flat undergoing any building work? Answer yes, if there’s any ongoing or incomplete building work. You don’t have to tell us if you’re just hanging a picture on the wall.

As such you'd not be obligated to inform them of work being done in a neighbouring flat. 


The issue is "your property" is your flat not the general building and so should be answered in relation to your flat not the building. Were that not the case my old flat in student times wouldn't have been able to get any quotes as the ground floor door to the building had no lock at all and no insurer offers the option of "no lock" when declaring security. 

If the door to your flat is only an internal door then I'd be getting that changed promptly, it could also have issues with fire safety rules given your door opens to a communal corridor and not the outside world. 

I was just trying to illustrate that the main external door is more like a traditional door with letterbox and window panes etc. 

Yes, but that's not the door to your property.

It's the door to someone else's property, and is therefore irrelevant.

Not according to Compare the Market, as mentioned further up the thread? They view the main door to a flat as the most visible entrance, usually with a letterbox and they specifically ask about the locks etc on that door. 

BarelySentientAI

Kai_63 said:

BarelySentientAI said:

Kai_63 said:

DullGreyGuy said:

Seeing as we are talking about Compare the Market, their question on building work is:

Is your flat undergoing any building work? Answer yes, if there’s any ongoing or incomplete building work. You don’t have to tell us if you’re just hanging a picture on the wall.

As such you'd not be obligated to inform them of work being done in a neighbouring flat. 


The issue is "your property" is your flat not the general building and so should be answered in relation to your flat not the building. Were that not the case my old flat in student times wouldn't have been able to get any quotes as the ground floor door to the building had no lock at all and no insurer offers the option of "no lock" when declaring security. 

If the door to your flat is only an internal door then I'd be getting that changed promptly, it could also have issues with fire safety rules given your door opens to a communal corridor and not the outside world. 

I was just trying to illustrate that the main external door is more like a traditional door with letterbox and window panes etc. 

Yes, but that's not the door to your property.

It's the door to someone else's property, and is therefore irrelevant.

Not according to Compare the Market, as mentioned further up the thread? They view the main door to a flat as the most visible entrance, usually with a letterbox and they specifically ask about the locks etc on that door. 

According to Compare the Market (who aren't an insurer, but anyway):

"We would classify your main door as the primary door used to gain access to the property"

The main door to the property is not the external door into a shared hallway.  That's the main door to the building.  Your contents insurance does not cover the building, so the property according to that policy is the flat.

The rest of the CtM wording is all about working out which of the doors to the property (i.e. the flat) is the main one, if you have more than one.  Do you have more than one entrance door to your flat?  If no, then you have one door to the property and it is, therefore, automatically the main one.

For the freeholder's buildings insurance, sure, the main external door is the one they are talking about.