Potentially incorrect information on home insurance

Houser12345

I have looked at my home insurance as I need to add my partner onto it as she is moving in, and have noticed that a few questions that I answered when I took the policy out seem to be incorrect, such as I have put that there is 0% flat roof, when my conservatory is classed as a flat roof, and I have put that there are no cracks in the walls when there are some (my house survey said they are minor repairs that aren't structural which is why I think I answered 'no', but the insurance policy doesn't specify the level of crack, so I think technically my answer is wrong.

I don't want to have to make a claim in the future and have it denied because I provided the wrong information, and I don't want to call them and ask to amend it in case they say they can't and then cancel the policy as then I will have a cancelled policy on my record.

I have found an insurer who will insure with me answering 'yes' to questions about cracks, and with the correct flat roof %. Are there any risks or problems with taking out home insurance with the new insurer with the correct information, and cancelling my old incorrect policy myself (other than the cancellation fees which I am happy to accept given that this was probably my mistake)?

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6682561/potentially-incorrect-information-on-home-insurance

No significant harm in doing it other than you will have to pay a cancellation fee and you may find my speaking to your insurer that they would be cheaper to correct the existing policy than to correct it and take it out elsewhere.

If both your old and your proposed new insurer are in the minority doing NCD then you do lose the few months towards your next year.