Home Insurance Quotes

Tangram

Hi there. 18 years ago we made a claim on our home insurance for flood damage. We had previously never had water ingress, and have not had any since. We do not live near a river,,the damage was a result of heavy rain,and the drains not able to cope. Do we need to disclose this on any new home insurance quote. Advice appreciated.

DullGreyGuy

Tangram said:

Hi there. 18 years ago we made a claim on our home insurance for flood damage. We had previously never had water ingress, and have not had any since. We do not live near a river,,the damage was a result of heavy rain,and the drains not able to cope. Do we need to disclose this on any new home insurance quote. Advice appreciated.

Answer the questions that they ask honestly and make sure you read any assumptions before you click "I agree". 

Confused.com asks if there has ever been flooding, so if you are using that site you have to answer yes, that opens a follow up question on if it is more or less than 10 years ago. They arent trying to trick you, your role isnt to try and work out if they are implying something other than exactly what the question says or over think it. If they arent interested in older flood claims the question will instead be "have you had any flooding in the last 10 years"

There is a long number of Ombudsman complaints that weren't upheld where an insurer has voided a policy and declined a claim due to non-disclosure and 9 times out of 10 the question the insurer asked was clear and concise but the customers complaint says that they assumed they didnt need to declare X, Y or Z because it was X years ago or because it was a hire car or because the bloke down the pub said you didnt have to etc. 

user1977

What have you done with applications since then?