Consequences of Home Insurance Claim While Acting as Attorney

Consumer40

My father went into care & lost capacity a couple of years ago. I held power of attorney & became responsible for selling his house. During the selling process, a surveyor alleged subsidence & so I contacted the insurer. Eventually, after months of taking measurements, the insurer concluded that there was no subsidence & declined the claim.

I am now wanting to compare the market for my own home insurance but am unsure about how to answer the question concerning whether I have made a recent claim on a home insurance policy. I have never made a claim against my own property but the standard question just asks if I have made a claim & does not specify my relationship with the property. 

elsien

You haven't  made a claim. Effectively you are your father as his LPA so it is him who has made the claim. 

dunstonh

I am now wanting to compare the market for my own home insurance but am unsure about how to answer the question concerning whether I have made a recent claim on a home insurance policy. 

As mentioned above, you have not made a claim.

your father or his personal representative has made a claim.  So, his home insurance would need to declare a claim but you dont.

Consumer40

Many thanks for the clarification. I understand now.