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Most household insurers have a strict limit to the number of claims they will allow within a certain period, maybe 3 or 5 years. If you make too many claims, then your home insurance company may no longer be prepared to insure you.

 

Some insurers may also count as a “claim” any phone call you made to them enquiring whether you would be eligible for a claim. For example, if you call and ask whether you’d be covered on your home insurance if your washing machine flooded your kitchen, even if you never put in a claim for it, some insurers will class this as a claim. They believe it gives an indication of your likelihood to claim again in the future.

 

While it is perfectly legitimate for you to claim if there is damage or loss to your home or contents, too many small claims could cause your insurer not to renew your policy. The decision whether to claim is always yours, but you may find that claiming small amounts could be more expensive in the long run, it you end up paying higher premiums.

 


We do have some home insurers who will consider your application, if “too many claims” is the reason why you’ve had your insurance declined, refused or cancelled.


We work with specialist insurers to find a home insurance policy for you.

What we need to know
Our specialists will need to know your claims history, and so it is helpful if you are able to have this information to hand.

In particular they will want to know details about the :

  • date of all claims (those within the last 5 years)
  • amount of claim (both the amount claimed for, and the amount paid out) and the nature of claim (i.e. what the claim was for)
  • whether it was a claim on your buildings insurance or your contents insurance
Our home insurance specialists will then use their expertise to hopefully find you some buildings and contents insurance.

Whilst you may have to pay more for your household insurance than you did before, because of the specialist nature of your case, at least you’ll have the peace of mind of knowing you are insured.

Also, if you have a mortgage on your property, it is a condition of your mortgage that your home is properly insured. Your mortgage lender will want to ensure that you have a sufficient level of buildings insurance cover.


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Has your insurance policy been cancelled or is your insurer refusing to renew your cover ?

 

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Our normal working hours are : 9am - 5pm Monday to Friday. If you need any help or information please call the number above and a fully trained member of our team will be happy to help you.
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Once you have completed the form you can either send it to us at the address at the bottom of this page, or fax it to us on 0871 277 1422.
 
 
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