Home Insurance quote and historic CCJ

CrazeeCroo

Myself and my husband have a joint CCJ which was lodged in June 2019, paid in full August 2019 and has now finally dropped off our credit history.

We're buying a house and need to take out buildings and contents insurance. The wording of the question for the quote is:

Have you or anyone living in the property been declared bankrupt or had a County Court Judgement (CCJ) or Individual Voluntary Arrangement (IVA)?

Do I need to declare this CCJ as it does not say have you ever, but neither does it say, in the last 6 years. Also it was one CCJ but in joint names, so do we need to declare a CCJ for each of us or just one CCJ in one of our names, for the purposes of the insurance?

When will we ever be free of this CCJ and stop being penalised for what happened, even though we've paid it off in full, with interest and have had it looming over us for the last 6 years, preventing us from buying a house any sooner than now......

fatbelly

I am not going to tell you what to do.

Clearly the answer to that question is yes.

But if you answered no they would be unable to contradict that answer as the public records only go back 6 years.

Shame you didn't pay it off within a month or it would never have been recorded at all

MyRealNameToo

CrazeeCroo said:

Myself and my husband have a joint CCJ which was lodged in June 2019, paid in full August 2019 and has now finally dropped off our credit history.

We're buying a house and need to take out buildings and contents insurance. The wording of the question for the quote is:

Have you or anyone living in the property been declared bankrupt or had a County Court Judgement (CCJ) or Individual Voluntary Arrangement (IVA)?

Do I need to declare this CCJ as it does not say have you ever, but neither does it say, in the last 6 years. Also it was one CCJ but in joint names, so do we need to declare a CCJ for each of us or just one CCJ in one of our names, for the purposes of the insurance?

When will we ever be free of this CCJ and stop being penalised for what happened, even though we've paid it off in full, with interest and have had it looming over us for the last 6 years, preventing us from buying a house any sooner than now......

The natural interpretation in the absence of it stating a time limit is "ever" so agree that this is a "yes".

If you are on a site other than a price comparison then almost certainly it will tell you you have to phone for a quote in which case you can discuss it with the operator there. If you are using price comparison then I'd argue it needs to be logged against both of you as thats the nature of the question. 

The issue you didnt pay the judgement within 30 days, had you it would never been recorded as a CCJ but the fact you failed to follow a courts order, even if you subsequently did, is in theory the concern. 

There are some who ask about CCJs in the last X years,  6 and 10 have been used in the past. So you may find some providers where you dont need to declare it. PS, if you've gotten to the end and you dont think CCJ has been mentioned, go back and check again, no insurer doesnt ask but some put it in assumptions you have to agree to etc which many miss. 

TheJP

Get a quote with both scenarios, answer yes and then answer no and see what the difference is.

eddddy

TheJP said:

Get a quote with both scenarios, answer yes and then answer no and see what the difference is.

If it's an online quotation system, doing that is the kind of thing that would throw up a "potential fraud" flag.

That might result in insurers increased quotes, refusing to quote, etc.


FWIW, some years ago, a friend did something similar (completely innocently) before buying an insurance policy. It seemed the insurer found out a few days later and cancelled the policy. My friend was asked to explain why she had been changing her answers in the quotation system and getting new quotes, before the insurer would reinstate the policy.

 

TheJP

eddddy said:

TheJP said:

Get a quote with both scenarios, answer yes and then answer no and see what the difference is.

If it's an online quotation system, doing that is the kind of thing that would throw up a "potential fraud" flag.

That might result in insurers increased quotes, refusing to quote, etc.


FWIW, some years ago, a friend did something similar (completely innocently) before buying an insurance policy. It seemed the insurer found out a few days later and cancelled the policy. My friend was asked to explain why she had been changing her answers in the quotation system and getting new quotes, before the insurer would reinstate the policy.

 

Not if you use a comparison website and dont use your real name. Its only fraud if you actually commit it, comparing prices isnt fraud.

eddddy

TheJP said:

Not if you use a comparison website and dont use your real name.

...and you don't use your real address, and you use a different IP address to obtain the quotes, and you delete cookies or use private/incognito browsing.

The comparison sites pass details of everything you enter to the insurers. So the insurers will know if you answered "Yes" to a question and obtained a quote, and then answered "No" and obtained another quote.

And given their years of experience, the insurers will be very well aware of all the "tricks" people try.

TheJP said:

Its only fraud if you actually commit it, comparing prices isnt fraud.

Yep - and I didn't say it was. I said it might result in increased quotes or refusals to quote, because of suspicious activity.

And / or follow-up enquiries from insurers. 

(And it would be breaking the t&cs for using the comparison sites.)

Albermarle

The OP would probably be better off going to a mortgage broker. They are useful for non standard situations, even if it might cost £500 .