Cancelled house insurance

RAS

Plainly your "current" insurance doesn't cover the new situation. They may also feel that you've been changing the situation reactively. And as others have pointed out BTL insurance doesn't generally allow relatives to be tenants and if you'd read the rules you wouldn't have tried to solve one problem by creating an even worse one.   

Have you tried going back to them, giving them the new situation and asking if they offer any policy that would cover the house?

Herzlos

Roundincircles123 said:

 They said after 60 days the would cancel the insurance as unoccupied. Which is as per policy. However with all the bills to pay plus the prospect of cancelled insurance I came to an arrangement with my step son. He is moving in to the property until a buyer is found. He will have a tenancy agreement. 
On informing the insurer they then said it will still be cancelled due to it been on the market. 
My claim for damage was upheld and payment on its way. 

I suspect they are concerned that the step son moving in is just a front to get around it being empty, and that he won't actually live there. You won't be the first person to 'move a relative in'.

horsewithnoname

You can get insurance for an empty house, I had to with a house after a relative died and while I was waiting for probate and selling it. I had to go and visit the house every week or so to make sure all was well, but otherwise it’s not a problem to do. 

Roundincircles123

theartfullodger said:

Most BTL insurance policies do not  permit renting to relatives: Read your insurance policy!  Sound like that's why insurance was cancelled. 

You really don;t want to be on a black-list for the insurance industry do you....

Talk to them and see what they say.  How odd you asked some anonymous forum why it was cancelled rather than asking the insurer.

Thank you for your input. Of course I have asked the insurer, it was the first thing i did. I have also contacted financial ombudsman and citizens advice.  And no I do not wish to be on a blacklist that is why I have asked for any help or advice from every place I though might be helpful !!! 

GDB2222

Roundincircles123 said:

theartfullodger said:

Most BTL insurance policies do not  permit renting to relatives: Read your insurance policy!  Sound like that's why insurance was cancelled. 

You really don;t want to be on a black-list for the insurance industry do you....

Talk to them and see what they say.  How odd you asked some anonymous forum why it was cancelled rather than asking the insurer.

Thank you for your input. Of course I have asked the insurer, it was the first thing i did. I have also contacted financial ombudsman and citizens advice.  And no I do not wish to be on a blacklist that is why I have asked for any help or advice from every place I thought might be helpful !!! 

I think you need to persist with the insurance company to find out what is going on. If you are having insurance withdrawn, that’s going to make it difficult to find a new insurer. There’s usually a question about that in the proposal. If you have simply fallen out of the terms of that particular policy, that’s obviously less serious.

[Deleted User]

GDB2222 said:

Roundincircles123 said:

theartfullodger said:

Most BTL insurance policies do not  permit renting to relatives: Read your insurance policy!  Sound like that's why insurance was cancelled. 

You really don;t want to be on a black-list for the insurance industry do you....

Talk to them and see what they say.  How odd you asked some anonymous forum why it was cancelled rather than asking the insurer.

Thank you for your input. Of course I have asked the insurer, it was the first thing i did. I have also contacted financial ombudsman and citizens advice.  And no I do not wish to be on a blacklist that is why I have asked for any help or advice from every place I thought might be helpful !!! 

I think you need to persist with the insurance company to find out what is going on. If you are having insurance withdrawn, that’s going to make it difficult to find a new insurer. There’s usually a question about that in the proposal. If you have simply fallen out of the terms of that particular policy, that’s obviously less serious.

Yes. I would be concerned about having insurance cancelled and being blacklisted. Not that this would necessarily be a fair interpretation but it sounds like there is a risk of this. Rather, I would be 100% seeking to confirm an accepted position that owing to change in circumstances OP is ending the policy and seeking a new one. I would be wary of insisting on keeping the policy and claiming to be compliant with terms if at all running the risk of having insurance cancelled.

Roundincircles123

GDB2222 said:

Roundincircles123 said:

theartfullodger said:

Most BTL insurance policies do not  permit renting to relatives: Read your insurance policy!  Sound like that's why insurance was cancelled. 

You really don;t want to be on a black-list for the insurance industry do you....

Talk to them and see what they say.  How odd you asked some anonymous forum why it was cancelled rather than asking the insurer.

Thank you for your input. Of course I have asked the insurer, it was the first thing i did. I have also contacted financial ombudsman and citizens advice.  And no I do not wish to be on a blacklist that is why I have asked for any help or advice from every place I thought might be helpful !!! 

I think you need to persist with the insurance company to find out what is going on. If you are having insurance withdrawn, that’s going to make it difficult to find a new insurer. There’s usually a question about that in the proposal. If you have simply fallen out of the terms of that particular policy, that’s obviously less serious.

Thank you, very wise and helpful 👍 

Roundincircles123

[Deleted User] said:

GDB2222 said:

Roundincircles123 said:

theartfullodger said:

Most BTL insurance policies do not  permit renting to relatives: Read your insurance policy!  Sound like that's why insurance was cancelled. 

You really don;t want to be on a black-list for the insurance industry do you....

Talk to them and see what they say.  How odd you asked some anonymous forum why it was cancelled rather than asking the insurer.

Thank you for your input. Of course I have asked the insurer, it was the first thing i did. I have also contacted financial ombudsman and citizens advice.  And no I do not wish to be on a blacklist that is why I have asked for any help or advice from every place I thought might be helpful !!! 

I think you need to persist with the insurance company to find out what is going on. If you are having insurance withdrawn, that’s going to make it difficult to find a new insurer. There’s usually a question about that in the proposal. If you have simply fallen out of the terms of that particular policy, that’s obviously less serious.

Yes. I would be concerned about having insurance cancelled and being blacklisted. Not that this would necessarily be a fair interpretation but it sounds like there is a risk of this. Rather, I would be 100% seeking to confirm an accepted position that owing to change in circumstances OP is ending the policy and seeking a new one. I would be wary of insisting on keeping the policy and claiming to be compliant with terms if at all running the risk of having insurance cancelled.

Thank you, I have checked with my mortgage provider and as new tenant is not actually a relative of mine it's fine for him to have a tenancy. 
I will persevere with the insurance and hopefully get it resolve. Thanks again for your advice. 

DullGreyGuy

Roundincircles123 said:

[Deleted User] said:

GDB2222 said:

Roundincircles123 said:

theartfullodger said:

Most BTL insurance policies do not  permit renting to relatives: Read your insurance policy!  Sound like that's why insurance was cancelled. 

You really don;t want to be on a black-list for the insurance industry do you....

Talk to them and see what they say.  How odd you asked some anonymous forum why it was cancelled rather than asking the insurer.

Thank you for your input. Of course I have asked the insurer, it was the first thing i did. I have also contacted financial ombudsman and citizens advice.  And no I do not wish to be on a blacklist that is why I have asked for any help or advice from every place I thought might be helpful !!! 

I think you need to persist with the insurance company to find out what is going on. If you are having insurance withdrawn, that’s going to make it difficult to find a new insurer. There’s usually a question about that in the proposal. If you have simply fallen out of the terms of that particular policy, that’s obviously less serious.

Yes. I would be concerned about having insurance cancelled and being blacklisted. Not that this would necessarily be a fair interpretation but it sounds like there is a risk of this. Rather, I would be 100% seeking to confirm an accepted position that owing to change in circumstances OP is ending the policy and seeking a new one. I would be wary of insisting on keeping the policy and claiming to be compliant with terms if at all running the risk of having insurance cancelled.

Thank you, I have checked with my mortgage provider and as new tenant is not actually a relative of mine it's fine for him to have a tenancy. 
I will persevere with the insurance and hopefully get it resolve. Thanks again for your advice. 

You said he was your step son? 

In the first instance check the reason for cancellation, it won't be that it's on the market. It could be that they correctly identify a step son as a relative and therefore it's not suitable for a buy to let policy. You should also check with them on how they are recording it, ie is it a cancellation you need to declare to others or not. 

It could well be like the situation where you get some money and decide to buy yourself your dream car, you phone up your insurers Bangers'r'Us and unsurprisingly they say they dont cover Ferraris so the policy is cancelled. That wouldn't need to be declared, you've effectively decided to cancel as you did have the choice to decide actually the old rust bucket is more MSE and give back the Ferrari keys.

Roundincircles123

DullGreyGuy said:

Roundincircles123 said:

[Deleted User] said:

GDB2222 said:

Roundincircles123 said:

theartfullodger said:

Most BTL insurance policies do not  permit renting to relatives: Read your insurance policy!  Sound like that's why insurance was cancelled. 

You really don;t want to be on a black-list for the insurance industry do you....

Talk to them and see what they say.  How odd you asked some anonymous forum why it was cancelled rather than asking the insurer.

Thank you for your input. Of course I have asked the insurer, it was the first thing i did. I have also contacted financial ombudsman and citizens advice.  And no I do not wish to be on a blacklist that is why I have asked for any help or advice from every place I thought might be helpful !!! 

I think you need to persist with the insurance company to find out what is going on. If you are having insurance withdrawn, that’s going to make it difficult to find a new insurer. There’s usually a question about that in the proposal. If you have simply fallen out of the terms of that particular policy, that’s obviously less serious.

Yes. I would be concerned about having insurance cancelled and being blacklisted. Not that this would necessarily be a fair interpretation but it sounds like there is a risk of this. Rather, I would be 100% seeking to confirm an accepted position that owing to change in circumstances OP is ending the policy and seeking a new one. I would be wary of insisting on keeping the policy and claiming to be compliant with terms if at all running the risk of having insurance cancelled.

Thank you, I have checked with my mortgage provider and as new tenant is not actually a relative of mine it's fine for him to have a tenancy. 
I will persevere with the insurance and hopefully get it resolve. Thanks again for your advice. 

You said he was your step son? 

In the first instance check the reason for cancellation, it won't be that it's on the market. It could be that they correctly identify a step son as a relative and therefore it's not suitable for a buy to let policy. You should also check with them on how they are recording it, ie is it a cancellation you need to declare to others or not. 

It could well be like the situation where you get some money and decide to buy yourself your dream car, you phone up your insurers Bangers'r'Us and unsurprisingly they say they dont cover Ferraris so the policy is cancelled. That wouldn't need to be declared, you've effectively decided to cancel as you did have the choice to decide actually the old rust bucket is more MSE and give back the Ferrari keys.

I did say it was complicated. I call him my step son but he is my husbands step son from a previous relationship. 
The policy states they must put in writing if they decide to cancel with an explanation. Verbally they have said it will cancel after 60 days of being unoccupied (as per policy) .
Then changed their mind and said they would cancel it because it's on the market. Again not in writing. I have checked the policy noting about property up for sale.
Update. After I said I am seeking advice...." oh no we are not going to cancel it we are looking into it, for you". Total rubbish.
New tenancy in place and utilities swopped to new tenants name. I have done absolutely everything required and as per policy.
Thanks for your amusing stories 😊