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  • FIRST POST
    • CreativeLemming
    • By CreativeLemming 4th Mar 18, 1:48 PM
    • 3Posts
    • 0Thanks
    CreativeLemming
    Note from previous insurer affecting quote
    • #1
    • 4th Mar 18, 1:48 PM
    Note from previous insurer affecting quote 4th Mar 18 at 1:48 PM
    Back in 2013, after we had new windows installed we had an incident of leakage around the windows during a period of stormy weather. We contacted the window fitters who denied any responsibility and recommended we contact our insurance company, which we did.

    To cut a long story short, the insurance company sent out a surveyor who wrote a report stating that there was no evidence of storm damage, and we/they took no further action (and eventually we got the seals re-fitted and everything sorted).

    However, the insurance company has put a note on our record saying we made a claim for storm damage, and this is still increasing our premiums (a quote I got today went up from 244 to 306 due to this).

    Apparently this won't be visible on our record by the time we next renew. My question is, can I get this removed from my record in any way, or should I just suck it up and take the hit until next year?

    Thanks for any advice!!
Page 1
    • paddyandstumpy
    • By paddyandstumpy 4th Mar 18, 4:02 PM
    • 1,034 Posts
    • 510 Thanks
    paddyandstumpy
    • #2
    • 4th Mar 18, 4:02 PM
    • #2
    • 4th Mar 18, 4:02 PM
    You suffered a loss. The only reason a claim wasn't made is because the claim was repudiated.

    It shows a propensity to claim over someone who hasn't claimed/tried to claim in the last 5 years, therefore rated accordingly.

    It won't be declarable next year as claims history tends to only be disclosable for 5 years.

    There is nothing to remove from your record, it accurately reflects your history.
    • CreativeLemming
    • By CreativeLemming 4th Mar 18, 4:16 PM
    • 3 Posts
    • 0 Thanks
    CreativeLemming
    • #3
    • 4th Mar 18, 4:16 PM
    • #3
    • 4th Mar 18, 4:16 PM
    Thanks - I suspected it would be something like that, and didn't really expect to be able to do anything about it. Sounds like the insurance companies can have it both ways - refuse to help you while at the same time take your money and penalise you for even asking. A lesson leaned, thanks!
    • Quentin
    • By Quentin 4th Mar 18, 7:21 PM
    • 35,623 Posts
    • 19,852 Thanks
    Quentin
    • #4
    • 4th Mar 18, 7:21 PM
    • #4
    • 4th Mar 18, 7:21 PM

    It won't be declarable next year as claims history tends to only be disclosable for 5 years.
    Originally posted by paddyandstumpy
    Not all mainstream insurers need 5 years history.


    Eg (not a recommendation), Direct Line ask for 3 years history.


    So move companies and you won't have to mention it at all!


    See if that is a cost effective solution
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