House insurance claim or not

lir7

Hello,

I had an escape of water last year and used my house insurance emergency services to get a plumber out. They caused me issues with resolving the leak which exacerbated the damage, but the cost of repairing the damage is less than the excess so I never claimed on my insurance policy and I'm doing the decorating myself.

I'm now renewing and using MSE's comparison tool which shows this up as a claim/incident. As far as I'm concerned I did not claim on the insurance policy (eg. £500 for a new bath), so do I need to mention this 'incident' on quote tools? I've looked at my current insurers portal and there are no claims listed. Considering anyone could have dealt with the whole incident themselves, insurers would never know about a leak, so why should I mention something that wasn't an insurance claim? Or have I got the wrong end of the wrong stick? 🤔

TIA

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6674454/house-insurance-claim-or-not

Because not mentioning it would be fraud and a much bigger claim could be declined if they catch you out.

If you claimed on Home Emergency rather than Home Insurance then most would not consider it a Home Insurance claim but it would be an incident that needs to be declared. Do check though the options however as some quote forms do have the option to declare claims on Legal Expenses/ Home Emergency and such secondary/add on policies.

Having dealt with claims in a past life, yes we have fancy tech to catch people out, yes loss adjustors are looking for indemnity issues but the majority of cases the customer simply forgot they'd lied on the application form and openly just tell you about the other accidents they had which they attempted to defraud us about by saying "no" to any other incidents, claims or losses irrespective if claimed for or not etc.

lir7

https://forums.moneysavingexpert.com/discussion/comment/82052987#Comment_82052987

I'm not trying to defraud anything but don't expect to be charged more for something I haven't done and insurance companies fiddle things obviously to their benefit. Have I claimed on my house insurance = no. This site does use the term incident so I'm interested in seeing how other sites term this as I haven't had to look for it before.

I also hate the fiddle on the bathroom question. I have one bath, one basin and one toilet. Some plonker decided it was a good idea to put a wall in the middle of them so I have to say I have two bathrooms but I have no more equipment or piping to cause an issue, just a brick wall which will be removed next year.

OMG I hate getting insurance quotes! 🤪 Thanks

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/comment/82053078#Comment_82053078

I've worked in the industry for 20 years and dont like doing Home or my business insurance, car is fine. In fact my business renewed at the beginning of May and its still not sorted properly because the broker messed up.

Ive not seen anyone not ask about incidents for years. Personally dont like it either but as always just answer the question as asked. "Bathrooms" does vary between insurers/sellers, having done two home quotes today I had to answer "3" bathrooms to one and "2 bathrooms + 1 WC" to the other.

My main issue is our roof, its a block of flats, there are many different materials making up the roof, there are elements without a roof but instead a roof terrace for the top layer of duplexes so do you include the concrete thats made from as part of the "roof" likewise the roof extends over a walkway for the duplex to get to their front doors, the bit over the walk way is clear (plastic or glass I assume) is that part of the roof?

I would say you have to say yes to incident, loss or claim, how you go from there depends on how the decision tree spreads.

huckster

But you did use Home Insurance emergency cover, so an incident is recorded. When you get quotes you are simply recording incidents, so Insurers understand what level of risk they are quoting for.

sheramber

Did you pay for calling out the plumber or did your insurance cover that fee?