hOUSE BUILDINGS INSURANCE - subsidence history

lynneharvey

Okay, I'm reading this about 'old' subsidence and am having problems with my current insurance (which has rocketed, and I've NEVER claimed anything). My subsidence is circa 1940! I wasn't even born! But as soon as I mention it they say the want a builders report (£500+). I have the buyers report which states that its not of a long standing nature ... but still I'm always running into problems with it ... can anyone help or suggest a way forward???

huckster

Legal & General should be able to quote and offer cover, as they are ok about subsidence, provided it was more than 15 years ago.

With most other Insurers, as soon as mention subsidence, even it were 70 years ago, they won't quote without a new survey.

Home Protect Brokers are another company to try.

lynneharvey

Have managed to get a policy with Home Protect, which is almost half of what I was being quoted by my current insurer!

Galeeno

How have your successes been people, (who were in the process of getting insurers but have had a tough ride?)


and how long was this bumpy ride, from the moment you
1) Approached a broker for subsidence, to
2) Them accepting your payment(under their terms and conditions)-and you paying them your premium

to.... 3) Them sorting out the subsidence problem?


what was your time frame in months of
1) <----> 2)
2) <----> 3)

Please state your experience up until now, and your time frames.

huckster

Suggest that you post a new thread !

Have you a particular problem with House Insurance that you would like help with ?

Each case is individual !

Your posts reads like you are a journalist or researcher who is just looking for information.

rs65

Galeeno wrote: »

and how long was this bumpy ride, from the moment you
1) Approached a broker for subsidence, to
2) Them accepting your payment(under their terms and conditions)-and you paying them your premium

to.... 3) Them sorting out the subsidence problem?

Eh?

Are you talking about taking out a policy knowing you have subsidence?

Surely there should be a step in there - discovering subsidence damage.

Timescales from contacting a broker to take out a policy and getting repairs done are meaningless.

Galeeno

Yes, here.

Home insurnace, new company. Do they contact our old company?

https://forums.moneysavingexpert.com/discussion/4461167

wilsy65

Reading some of these and will try some of these numbers, but does anyone know whether this is right or they are just trying to get rid of me. I was insured through DirectChoice as the broker, with AXA. I had a subsidence claim due to drains which was fixed last year. DirectChoice wrote to me to say that they are no longer doing household insurance, so can not offer me a renewal. I contacted AXA direct and they said they won't offer as I had had subsidence claim and at the time they were the underwriters, not the insurers. Even though my policy schedule says AXA and that the advisor was DirectChoice. It runs out on April 1st, so am a bit stressed!

dacouch

Speak to a local broker (Not Swintons) who deal with Axa, they can normally speak to their rep at Axa and get a policy agreed with Axa that cross refers to your old policy.

Take any policy schedules you have from Axa with you

Make sure you and the broker have good written records of what was declared and when

Robert1351

baribil wrote: »

If you call the number given by MM for Subsidence Claims Advisory Bureau, you get a recorded message with a new number 08453006127 which may cost you more than the geographic number but they really are helpful!

If you want to speak to a helpful human being instead of a call centre monkey, ask for Graham (or anybody) at the above telephone number.:):):)