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  • FIRST POST
    • newuser78
    • By newuser78 10th Aug 18, 1:31 PM
    • 187Posts
    • 35Thanks
    newuser78
    Bankruptcy - contents insurance?
    • #1
    • 10th Aug 18, 1:31 PM
    Bankruptcy - contents insurance? 10th Aug 18 at 1:31 PM
    I am on the hunt for a contents insurance for my flat - and was surprised that MoneySupermarket (guide) was asking the following questions:

    By pressing "Get results" you're agreeing to our terms and conditions, privacy policy, you have read this information about our service and confirming that you and anyone living with you:
    ...
    - 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.
Page 1
    • paddyandstumpy
    • By paddyandstumpy 10th Aug 18, 1:53 PM
    • 1,150 Posts
    • 636 Thanks
    paddyandstumpy
    • #2
    • 10th Aug 18, 1:53 PM
    • #2
    • 10th Aug 18, 1:53 PM
    As the question isn't time limited you should declare it.
    • Nasqueron
    • By Nasqueron 10th Aug 18, 2:54 PM
    • 5,772 Posts
    • 3,502 Thanks
    Nasqueron
    • #3
    • 10th Aug 18, 2:54 PM
    • #3
    • 10th Aug 18, 2:54 PM
    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
    • By luvchocolate 10th Aug 18, 3:06 PM
    • 1,661 Posts
    • 1,497 Thanks
    luvchocolate
    • #4
    • 10th Aug 18, 3:06 PM
    • #4
    • 10th Aug 18, 3:06 PM
    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
    • By dacouch 10th Aug 18, 7:05 PM
    • 20,599 Posts
    • 12,764 Thanks
    dacouch
    • #5
    • 10th Aug 18, 7:05 PM
    • #5
    • 10th Aug 18, 7:05 PM
    Directline and Co op often have a more reasonable time limit on bankrupts
    • luvchocolate
    • By luvchocolate 10th Aug 18, 8:03 PM
    • 1,661 Posts
    • 1,497 Thanks
    luvchocolate
    • #6
    • 10th Aug 18, 8:03 PM
    • #6
    • 10th Aug 18, 8:03 PM
    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
    • By newuser78 17th Aug 18, 8:31 AM
    • 187 Posts
    • 35 Thanks
    newuser78
    • #7
    • 17th Aug 18, 8:31 AM
    • #7
    • 17th Aug 18, 8:31 AM
    Thanks all!

    So does this mean that I cannot proceed with MoneySupermarket?
    • Nasqueron
    • By Nasqueron 17th Aug 18, 9:13 AM
    • 5,772 Posts
    • 3,502 Thanks
    Nasqueron
    • #8
    • 17th Aug 18, 9:13 AM
    • #8
    • 17th Aug 18, 9:13 AM
    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
    • By luvchocolate 17th Aug 18, 5:37 PM
    • 1,661 Posts
    • 1,497 Thanks
    luvchocolate
    • #9
    • 17th Aug 18, 5:37 PM
    • #9
    • 17th Aug 18, 5:37 PM
    Just check with the company showing a reasonable amount and read their T&C...check their assumptions.
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