Ageas Elastic home insurance discussion

Hi Tony
I think you've missed the main benefit of this new product. For me it's the fact that you buy it once and never have to renew it. The monthly price stays for the length of the term you want, be that a month or 10 years. No hassle or haggling at renewal.

Shame - they have limited it to the old standard 3 traditional wall construction materials, ruling out a whole host of modern building methods. Would have been easy to offer a wider range as is now found on most home insurance web sites in 21C.


Worse you go all the way through before they show the assumptions and when you click "no" to the assumptions being correct (because of wall construction) they say cant cover you. Wasting folks time unnecessarily is not very customer friendly.

I also couldn't complete my quote with Ageas. I ran into the list of assumptions after I'd gone through most of the quote process, including giving my address and contact details. If you answer "No" to any of the assumptions your quote gets stopped immediately. I'd have liked to have known about the list of assumptions before I started the process.
So I copied the list and here it is. Hopefully someone else can benefit from my experience.
Assumptions:
Construction
Your property is of standard construction - brick, stone or concrete walls with a slate or tile roof.
Your property is in a good state of repair, weatherproof and well maintained.
There are no on-going buildings or renovation works at your property.
A flat roof covers less than 33% of your property - excluding outbuildings and garages.
Your property isn't a listed building.
The rebuild value for your whole property doesn't exceed £1,000,000.
Usage
Your property isn't currently or expected to be unoccupied for periods over 30 consecutive days
This is your permanent home and isn’t let out or a second/holiday home
Your property isn’t used for any non-clerical business use.
Events
Your property has had no flooding in the last 25 years;
Your property is showing no signs of, or being monitored for, or has suffered from subsidence, landslip or heave in the last 25 years.
The People
There are no lodgers or paying guests at your property.
Neither you, or anyone living with you, has:
had any insurances declined, cancelled or voided, or had special terms or higher premiums imposed;
had any criminal convictions that are unspent;
suffered Bankruptcy (that is not discharged), current CCJs or IVAs.

There wasn't an option to choose buildings insurance for a freehold flat in a Victorian conversion, only maisonette or purpose built flat. I chose maisonette, thinking it would be the closest, to get an idea. Answered yes to all the assumptions (truthfully!), no other answers that could be "wrong", except possibly choosing "all other locks", computer said no. Not helpful.