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Thread: House insurance

  1. #11
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    Can I suggest that you try getting a quote again, and in the light of the ample evidence that I have provided about spent convictions and insurance, you put that you have no convictions. Then this thread can be closed........


  2. #12
    Milton is offline Member
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    Default Re: House insurance

    I feel strongly that difficulty in obtaining house insurance
    should be based upon convictions associated dishonesty and fraud.
    Motoring convictions should have nothing to do with house insurance.
    I've known many people who have failed breath tests who are honest.
    I've known many people who have passed breath tests who are very dishonest.
    OK so where do we go from here?

  3. #13
    Jo Smith is offline Member
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    Default Re: House insurance

    I think as others have stated, a lot of home insurance polices that ask about criminal convictions, usually exclude motor offences, sometimes may go a bit further and define those that don't need to be disclosed, such as Speeding offences, so you may then have to disclose the more serious motoring offences such as DD conviction.
    Depending on the sentence that was received, the conviction may not ever be spent..

    The reason home insurer will look to take into account criminal offences, motoring or otherwise, is it does still fall into the morale hazard posed, there is a proven link between criminal convictions and increased likelihood of a claim being made,and the value of that claim. insurers will look to group similar risks together, so the premium they then charge is equitable for the pool.

    Under the relatively new Insurance Act depending whether the question was answered innocently or recklessly and the nature of the claim and the insurers stance will dictate what the insurer can or cannot do. If found to be deliberate fraud and goes to the heart of the contract, then insurer could void the policy if a genuine forgetfulness and wasn't deliberate/reckless and the insurer would of accepted the risk then they may pay the claim and charge any additional premium.

  4. #14
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    Agreed, Sue Smith. Insurance companies know the risk factors and apply them accordingly. A person who has been irresponsible with their car may well be irresponsible with their house, or drink and cause accidental damage to their house contents and make a claim.
    they have to stick to the position that if it is an unspent conviction then you have a responsibility to disclose it.
    Otherwise you could argue that a rapist does not need to declare a conviction for insurance because they have not damaged property or been otherwise dishonest. A drug dealer has not been dishonest, just sold prohibited goods. A burglar has only taken other people’s property, there is no evidence that he would damage his own property....... where does it end?
    It seems that some mainstream insurance companies decline cover for people with unspent convictions, but others do and there are specialist companies that cater specifically for such people. The same applies to car insurance for drink drivers. Some companies such as NFU mutual decline cover for 5 years.
    So the answer to Milton’s question “so where do we go from here?.” The answer is “shop around, and do not disclose a conviction that is spent because you have no obligation to do so”.

  5. #15
    Milton is offline Member
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    Default Re: House insurance

    Hi Mr Price,

    I am sorry to hear that you imply that a person who has failed a breath test is a dishonest person
    who can't be trusted with financial things other than motoring.
    Over the last 40 years I have borrowed money to buy houses.
    I have never defaulted on any mortage and never submitted any insurance claim.
    You also seem to imply that people who never drink are all honest.
    I'm sorry but the most dishonest people I have known don't drink alcohol at all.
    Please explain why you imply alcohol to be the cause of dishonesty.

    John Milton.

  6. #16
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    Quote Originally Posted by Milton View Post
    Hi Mr Price,

    I am sorry to hear that you imply that a person who has failed a breath test is a dishonest person
    who can't be trusted with financial things other than motoring.
    Over the last 40 years I have borrowed money to buy houses.
    I have never defaulted on any mortage and never submitted any insurance claim.
    You also seem to imply that people who never drink are all honest.
    I'm sorry but the most dishonest people I have known don't drink alcohol at all.
    Please explain why you imply alcohol to be the cause of dishonesty.

    John Milton.
    Jo Smith nor I mentioned dishonesty, I think Jo put it well when she said the issue is about “moral hazard”.
    I have advised you what to do with your problem with house insurance:
    Take up with Santander the issue of their wording on the application form.....
    Seek another insturance provider and declare (truthfully) that you have no previous convictions, because a 30 year old drink driving conviction is spent and does not have to be disclosed.
    Then have a happy, well insured life.

    I do not intend to comment further on this post as it is best discussed over a few pints in the pub. I can’t change the disclosure rules that the insurance world use, neither can you or anyone else on this forum.

  7. #17
    firemansam007 is offline Member
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    Default Re: House insurance

    Try HomeProtect, they will cover home insurance with DD convictions. They don't really bother about DD or motoring offences. i have checked with them before and after buying insurance from them.

    Quote Originally Posted by price1367 View Post
    Jo Smith nor I mentioned dishonesty, I think Jo put it well when she said the issue is about “moral hazard”.
    I have advised you what to do with your problem with house insurance:
    Take up with Santander the issue of their wording on the application form.....
    Seek another insturance provider and declare (truthfully) that you have no previous convictions, because a 30 year old drink driving conviction is spent and does not have to be disclosed.
    Then have a happy, well insured life.

    I do not intend to comment further on this post as it is best discussed over a few pints in the pub. I can’t change the disclosure rules that the insurance world use, neither can you or anyone else on this forum.

  8. #18
    Milton is offline Member
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    Default Re: House insurance

    I have applied for house insurance with various companies since being refused
    insurance by Santander.
    In my applications I have to declare if I have been turned down for insurance in the past.
    Being honest I declare being refused by Santander which results in my
    applications being refused.
    Now I've had several refusals then insuring my house has become impossible.

    If I had a mortgage I would be in serious trouble now because lenders insist on house
    buildings insurance. Without insurance the lender will go for repossession even if the mortgage
    isn't in arrears.

    Something strange going on because I had no problem obtaining house insurance back in the
    1980's when I was prosecuted.

    Mr Price's advice regarding applying to other insurers seems to have back fired and made things worse.

  9. #19
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    I know I said I would not comment on this thread any further, but as it is a direct request for help..... I said before that there is cover available for people with convictions, now there is the need for cover when cover has been refused.

    Firstly a simple call to a broker to explain that cover was refused by Santander because of an incorrect declaration of a 30 year old conviction for drink driving will, I am sure, produce a quote. I am not even sure if that counts as cover being “refused” when the real reason is an incorrect declaration by the applicant, but a chat with an expert will clarify that.

    Secondly there is this company who provide cover online for people who have had issues getting home insurance cover:
    https://boughtbymany.com/news/articl...pensive-quote/

    Thirdly there is the company helpfully listed by firemansam007 this morning: Home protect.

    There is no need whatsoever for a person to fear having their house repossessed because they cannot get house insurance, even with an unspent conviction.

  10. #20
    price1367 is offline TTC Group Associate Director
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    Default Re: House insurance

    Convicted Driver Insurance Quotes
    Looking at the Home protect website, it offers good advice on what to do about insurance being refused or declined.
    the more I think about it, Santander declined to offer cover to you, rather than a refusal.
    what if you had asked for insurance cover and they said no, because you want to insure a 6 bedroom house and they only insure up to 5 bedrooms. (I had this happen to me last year) I was not refused insurance, obliging me to declare this to any other company I applied to, they simply declined to quote because I did not fit the type of house that they covered. The same could be said of someone wanting life cover, but the company decline because they do not cover someone who says in the application that they live on the Channel Islands. Cover has been declined, not refused.
    https://www.homeprotect.co.uk/refuse...home-insurance

    So you could go back to square 1 and follow up with Santander in the ways outlined in the above link, or make other applications to other companies and correctly state that you have no convictions and have not been refused insurance.
    I am just trying to apply common sense and as I admitted earlier, I an not qualified in insurance matters.
    If you are not happy with this explanation then check the situation with an experienced broker before you build up a whole string of applications and make the insurance industry worry that you are trying to take out fraudulent muliple cover.

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