Adverse Claims History Home Insurance


Declined, refused for home insurance or had insurance terms imposed?

If you have been unfortunate enough to have had previous home insurance claims, or maybe been refused household insurance perhaps because of a previous material non-disclosure, you may have encountered difficulty in obtaining house buildings and contents insurance quotes. If this is the case, you require help from insurance brokers who specialise in providing quotes to those who have been refused or declined insurance.

"My previous home insurance company refused to invite renewal after I had failed to disclose that I'd made claims on an earlier household insurance policy. Once I'd been refused insurance, many other insurers just didn't want to offer any kind of buildings or contents insurance quotes"

An adverse insurance claims history is often a problem - being declined for home insurance is another. Once an insurer has decided to cancel insurance cover or declined to invite your insurance renewal for a particular reason, other insurers will often refuse to offer you any form of insurance cover. Once this has happened, finding home insurance quotes will often prove to be increasingly difficult.


"I couldn't leave the property uninsured - my mortgage lender insisted that we maintained buildings insurance cover and so despite having only 2 previous home insurance claims, I found it really difficult to obtain cheap insurance quotes."

"My home was burgled on 3 occasions and my insurance company said that they believed the claims were inflated - so they refused to renew my home insurance cover"