Home Emergency cover - NCD

MouldyOldDough

Does a claim on Home Emergency Cover affect NCD on Hastings Direct Home insurance ?

It is through a separate company (and paid extra for)......

MyRealNameToo

MouldyOldDough said:

Does a claim on Home Emergency Cover affect NCD on Hastings Direct Home insurance ?

It is through a separate company (and paid extra for)......

Ultimately read your policy to find out. 

Traditionally home insurance doesnt have NCD, instead they asked how many years have you continuously held home insurance for and how many claims have you had in the last X years. More recently however an increasing number of sellers of insurance are creating a Home insurance NCD but like most things that are new there is much greater difference in the rules between providers than there is for Motor. 

I've never seen any one offer NCD on HE, I've never even seen anyone ask about HE claims but in principle there is nothing to stop someone introducing one.