House insurance question

Discussion in 'CycleChat Cafe' started by helston90, 31 Jul 2017.

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  1. helston90

    helston90 Eat, sleep, ride, repeat.

    Location:
    Cornwall
    My in- laws house had a car crash into it last year, they claimed against his insurance for repairs to the tune of £6k.

    Now that they're looking to renew their house insurance the question on Gocompare is "In the past 5 years, have you or anyone else living with you made any buildings, contents or personal belongings claims, or suffered any loss or damage (regardless of whether a claim was made or not)?" and goes on to ask about the incident and how much was claimed.

    On car insurance you get to put 'driver not at fault' - whereas this doesn't appear to be an option. Should they be ticking that they haven't made a claim? Since their current insurer is not £6k out of pocket as the other persons insurance covered it completely?
    Any thoughts appreciated.
     
  2. vickster

    vickster Legendary Member

    They should call the insurance company and ask. Should be able to do tbe paperwork on the phone
     
  3. screenman

    screenman Legendary Member

    They have made a claim, failure to disclose is wrong.

    Even a no fault claim can often increase premiums.
     
    Mrs M and Saluki like this.
  4. Beebo

    Beebo Firm and Fruity

    Location:
    Hexleybeef
    They must disclose the incident.
     
  5. twentysix by twentyfive

    twentysix by twentyfive Clinging on tightly

    Location:
    Over the Hill
    +1
     
  6. slowmotion

    slowmotion Quite dreadful

    Location:
    lost somewhere
    Try Ecclesiastical or NFU, especially if you are in a rural area. They have good reputations. As others have said, you must disclose all claims.
     
    mjr likes this.
  7. PeteXXX

    PeteXXX Cake or ice cream? The choice is endless ...

    Location:
    Hamtun
    If they don't disclose the incident and then, at some point in the future, make a claim, it could be turned down.
     
    raleighnut likes this.
  8. Custom24

    Custom24 Über Member

    Location:
    Oxfordshire
    Is it just me who is scratching my head at how a car can crash into a house and the house be at fault?
     
  9. slowmotion

    slowmotion Quite dreadful

    Location:
    lost somewhere
    It's nothing to do with fault. It's how the insurance trade treats its customers.
     
    Drago likes this.
  10. Beebo

    Beebo Firm and Fruity

    Location:
    Hexleybeef
    If the car is untraceable or the driver is uninsured then there would be no one to recover costs from.
    Fault is irrelevant.
     
  11. Drago

    Drago Guru

    In that scenario one would recover ones losses from the Motor Insurers Bureau.
     
    numbnuts likes this.
  12. alicat

    alicat Guru

    Location:
    Staffs
    They suffered damage to the tune of £6k so have to disclose the incident.

    The insurers are entitled to know that the house is in a location where cars can crash into it.

    If the incident is not disclosed, the insurers can void the policy and refuse to pay a claim even if unrelated.
     
    Yellow Saddle and User45 like this.
  13. meta lon

    meta lon Guru

    Its insurance
    Your damned either way
     
    Nigel-YZ1, Phaeton and postman like this.
  14. glasgowcyclist

    glasgowcyclist Charming but somewhat feckless

    Location:
    Scotland
    I would tell them. Although no claim was made, the insured property did suffer damage so the incident needs to be declared.

    It doesn't matter that the insurers aren't any worse off, if the wording says "whether or not a claim was made".
     
    raleighnut likes this.
  15. OP
    OP
    helston90

    helston90 Eat, sleep, ride, repeat.

    Location:
    Cornwall
    I think the plan was always to tell them, it happened, they're not trying to hide it.

    I was just perplexed why car insurance you put it was someone else's fault and your insurance only goes up a bit and the 'cost of the claim' is a small amount of admin whereas the house insurance their is no 'fault' element and they've had to put down how much the other insurers paid to fix i.e.£6k

    It was a totally random one where they live on a slight hill and the people who live across the road forgot to put his handbrake on when he got out of his car, so the car rolled down his drive, across the road, down my in-laws drive and into the front of their house.
     
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