House Insurance ran out in July - Can I claim today?

[spezza123]

A friend of mine forgot to renew his house insurance in July this year. Says the provider did not send him a renewal reminder. His property was damaged by the blast in hemel. He needs to make a claim. Is there anything he can do. Personally I think not Any ideas or comments gratefully received

[Oneeyedvic]

Well, since he has no insurnace in place, there is no way he can claim from his old provider.

Most companies will automatically send out out a renewal letter - it is feasible that this could be 'lost in the post' but I'm afraid it is purely down to your mate to renew.

That said, I would have thought that it be possible to claim from the company who caused the damage - ie Buncefield Oil - they would have insurance in place for such an evantuality.

[Loosehead]

They usually send out several reminders, there's no excuse. There's no way he can claim of this company but as vic points out he can join the queue to claim off the company that caused the damage.

[tim2969]

sadly lesson learnt he will not and must not be indemnified by his previous provider his policy is no more.if he had a season ticket for a train service and his ticket run out six months ago would he expect to be able to travel on it. this is a clear case of trying to avoid financial responabilites

[WendyS]

He can throw himself on his insurer's mercy if he has a long history of insuring with them, but with the amount of money they're probably going to have to pay out to cover this incident I doubt very much that he will have any luck. I know the horse has already bolted from the stable now, and the only sad lesson to be learned here is to take responsibility for yourself in these issues and keep a diary note of when house, contents and car insurance premiums are due for renewal.

[funnywebsite]

Yes, its a lesson for everyone. I know my company always sends a reminder when they want paying.