Bankruptcy - contents insurance?

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newuser78
newuser78 Posts: 187 Forumite
in Insurance & life assurance
I am on the hunt for a contents insurance for my flat - and was surprised that MoneySupermarket (guide) was asking the following questions:
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- Have not been declared bankrupt.

Is this for active/current bankruptcy only or for any bankruptcy even if it took place over 10 years ago? In 2014, my bankruptcy was erased from my credit files and all is good since with credit reports, etc.

Many thanks in advance.

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  • paddyandstumpy
    paddyandstumpy Posts: 1,486 Forumite
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    As the question isn't time limited you should declare it.
  • Nasqueron
    Nasqueron Posts: 8,933 Forumite
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    Even if bankruptcy drops off your credit record it is a matter of public record on the register. Don't be tempted to lie about it. See a local insurance broker for advice
  • luvchocolate
    luvchocolate Posts: 3,261 Forumite
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    My B.R was 6 years ago....always declared it when asked and never had a problem getting contents insurance.
    It really should not be a problem just remember if asked...have you ever been B.R you must answer yes
  • dacouch
    dacouch Posts: 21,637 Forumite
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    Directline and Co op often have a more reasonable time limit on bankrupts
  • luvchocolate
    luvchocolate Posts: 3,261 Forumite
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    Last year went with Yorkshire B.S £56 for the year ...£50 love to shop voucher!!!! B.R no problem, Post Office also O.K.
  • newuser78
    newuser78 Posts: 187 Forumite
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    Thanks all!

    So does this mean that I cannot proceed with MoneySupermarket?
  • Nasqueron
    Nasqueron Posts: 8,933 Forumite
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    The site asks you to confirm you have not been made bankrupt if you want to proceed. If you say confirm that you are lying and it will invalidate your insurance. You don't need to use comparison sites when a broker could do it for you
  • luvchocolate
    luvchocolate Posts: 3,261 Forumite
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    Just check with the company showing a reasonable amount and read their T&C...check their assumptions.
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