Clarification required please

[Bazile]

Just looking at the wording for the conditions of elgibility for the provision of house insurance from a number of companies - the following , appears to be standard

'' you anybody living with you or anyone that will be living with you has never had an insurance application declined , renewal refused , cover terminated or special conditions imposed by an insurer ''

It's the '' never had an insurance application declined '' that's unclear to me .

1. Does it mean any type of insurance

2. What about this scenario - you phone up an insurance company for a quote - you go through the questions - they then tell you that they cant provide cover for your details - because , for example of the close proxmity of trees .

Does this now mean that you - have had an application for insurance declined - and so other insurers wont provide cover , because you cant meet the criteria of '' never had an insurance application declined '' ?

[JackDanielsU]

1. No...buildings insurance dont care if youve been turned down for car, pet, travel, etc insurance - they just need to know if its to do the type of insurance you want from them

2. I believe so.....but just because its been declined, doesnt mean you cant get insurance ever again - you may have to pay a hefty excess or premium though. Anyway the advisor etc will ask questions why insurance was refused elsewhere and advise accordingly

[Bazile]

Thanks

When you go on these price comparion sites , eg - Go Compare - it gives quotes from companies .

However there are ususally some companies at the end of the list who dont give a quote .
Does the '' never had an insurance application declined '' apply in those instances ?

[twix123]

If insurers won't quote on a comparison website it is not classed as being declined. Either they're not interested in that particular sort of business, their quote engine servers are down/not available, or they would require further details before quoting.

[Bazile]

'' However there are ususally some companies at the end of the list who dont give a quote ''

Just to clarify - I meant that the company names actually appear on the list but they dont dont give a quote .

Some reasons giver are -
'' cannot quote for selected main entrance type : Other locks ''
'' cannot quote for your details ''
'' cannot quote due to rebuild costs ''

Is the above still not classed as being '' declined '' ?


Also is '' insurance declined '' the same as '' insurance Renewal declined '' ?

Thanks

[twix123]

As I previously explained, not all companies used by the comparison websites will quote for particular business. In the 3 instances you cited, it is obvious that your property does not fit their criteria.

The comparison website search engines are designed to go to each insurers website, they are not selective when you enter your details, which explains why to end of the list shows the 'non-quotes'.

If your present insurer has declined to renew your insurance, you need to contact them to find out why, perhaps their criteria has changed or they have stopped writing this class of business.

If you are so worried, why don't you contact a local insurance broker who would better placed to advise you in this matter?