Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

[josh]

Re: Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

this is the policy link :http://www.hastingsdirect.com/home-i...-booklets.html

proposal form returned with notes about them checking the policy details and history:



Thank you

[des8]

Re: Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

I really wonder where they are coming from.
The Statement of insurance shows "five years no claim discount"
Was a discount allowed for this? and did you have to provide proof by way of the previous insurer's renewal notice?
It would be most unusual for an insurer to allow NCD without proof. Such notice is proof that previous insurers did not regard the earlier incident as a claim.

[josh]

Re: Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

I really wonder where they are coming from.
The Statement of insurance shows "five years no claim discount"
Was a discount allowed for this? and did you have to provide proof by way of the previous insurer's renewal notice?
It would be most unusual for an insurer to allow NCD without proof. Such notice is proof that previous insurers did not regard the earlier incident as a claim.

No they have given no indication of the discount, they in fact were the second cheapest on Confused.com, i have just done a search with them with 4 years no claims, the price was exactly the same - i am lost as to what they are doing too and very annoyed they can do this.

i found this on the FOS WEBSITE :

http://www.financial-ombudsman.org.u...disclosure.htm

[josh]

Re: Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

They are just a joke and not at all serious, the hassle we have been put through. They have never asked for documents to confirm the discount which they state they have given, in fact they only asked for claims history AFTER THE EVENT and now informed us of the rescinding, of the insurance, its very distressing.

[josh]

Re: Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

Apparently just received notice that the Underwriters have accepted the claim as it stands as it was 5 years ago, and no further claims have been made, I have written to the Insurance company indicating that I am not happy with the Loss adjuster, so now will see what they do - been advised work will recommence in 3 days - the loss adjusters are just no good!!

Thank you for the support in this matter as always!

[des8]

Re: Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

You're welcome.
Glad to hear it has worked out satisfactorily.

Just one further point: you said (post 12) the house had been rendered unsafe. You could now claim under Buildings section 14 Alternative Accommodation, to cover the additional costs of alternative accommodation whilst your house cannot be lived in.

[josh]

Re: Insurance claim - rejected for non disclosure for a rejected claim 5 years ago

Thank you so much, I am going to do that now

Your Great;-)