Home insurance question for joint ownership?

MyRealNameToo

Grey_Critic said:

Since CIDRA came in they have to ask you anything they want to know, they cannot rely on you volunteering information. Sure, if it's a total loss they may investigate ownership but that doesnt mean you had to inform them beforehand. 

Just remember there is such a thing as refusal to insure - try playing games and they have the ultimate weapon they can Blacklist you and insurers do share information 

Refusal to insure is almost a dead duck and harks back to the days of the broker doing the quote, selling you the policy and giving you a cover note before sending all the paperwork off the the insurer to issue the certificate of insurance who then declined. 

Now its all straight through processing so you dont get cases of people being declined in the same way, instead you get companies declining to quote but that isnt asked about because everyone who's ever filled in a confused.com form will have had dozens of companies declining to quote every time. Saga always decline to quote for me as I am not over 55. 

Insurers would be a torn a new one if they attempted to void a policy for not declaring additional owners when they have not asked the question during the quote process.