Adverse Claims History Home Insurance

Declined, refused for home insurance or had insurance terms imposed?

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If you have been unfortunate enough to have had previous home insurance claims, or maybe been refused household insurance perhaps because of a previous material non-disclosure, you may have encountered difficulty in obtaining house buildings and contents insurance quotes. If this is the case, you require help from insurance brokers who specialise in providing quotes to those who have been refused or declined insurance.

An adverse home insurance claims history might include:

  • Burglary - stolen property and resulting intruder damage
  • Flood damage, burst pipes or escape of water
  • Broken sanitaryware - washbasins, baths, showers
  • Fire and smoke damage
  • Lost items - jewellery, keys, credit cards

An adverse insurance claims history is often a problem - being declined for home insurance is another. Once an insurer has decided to cancel insurance cover or declined to invite your insurance renewal for a particular reason, other insurers will often refuse to offer you any form of insurance cover. Once this has happened, finding home insurance quotes will often prove to be increasingly difficult.

adverse claims home insurance

My previous home insurance company refused to invite renewal after I had failed to disclose that I'd made claims on an earlier household insurance policy. Once I'd been refused insurance, many other insurers just didn't want to offer any kind of buildings or contents insurance quotes

Insurance companies exchange claims information

You may not be aware of CUE - the Claims and Underwriting Exchange - this is an organisation established in 1994 by the insurance industry to create an extensive database of insurance claims made by policyholders, with the intention of reducing fraudulent claims. All major UK insurance companies provide details of their insurance claims to CUE, who in turn make the information available to other insurers upon request.

Insuring your home after a claim

QuoteRack has teamed up with a specialist insurance intermediary who is able to offer home insurance for those with a poor claims experience - simply complete the online enquiry form to request a no-obligation quotation for your home buildings and/or contents insurance.

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