Milton
Member
Today I visited my local branch of Santander to get a quote for house insurance.
I only wanted buildings cover, not contents.
The computer based questions asked me if I had ever been convicted of any criminal conviction.
I answered "yes" and gave details of my drink driving conviction.
This resulted in me being refused a quote.
OK I am a convicted criminal so I deserve such things.
However, I can't understand what connection there is between drink driving and house buildings insurance.
When I was caught and convicted for drink driving I was driving a car, not a house.
As far as I know houses don't have wheels or engines so can't be driven and therefore aren't subject to the
Road Traffic Act.
I own my house outright so I can manage without buildings insurance. However, a younger person with a mortgage
must have buildings insurance to comply with the mortgage lenders terms and conditions.
Seems that a drink driving conviction can cause mortage holders to loose their house despite not being in arrears with
a morgage. This seems mad to me.
Please can someone explain to me the legal connection between a drink driving conviction and house insurance.
I only wanted buildings cover, not contents.
The computer based questions asked me if I had ever been convicted of any criminal conviction.
I answered "yes" and gave details of my drink driving conviction.
This resulted in me being refused a quote.
OK I am a convicted criminal so I deserve such things.
However, I can't understand what connection there is between drink driving and house buildings insurance.
When I was caught and convicted for drink driving I was driving a car, not a house.
As far as I know houses don't have wheels or engines so can't be driven and therefore aren't subject to the
Road Traffic Act.
I own my house outright so I can manage without buildings insurance. However, a younger person with a mortgage
must have buildings insurance to comply with the mortgage lenders terms and conditions.
Seems that a drink driving conviction can cause mortage holders to loose their house despite not being in arrears with
a morgage. This seems mad to me.
Please can someone explain to me the legal connection between a drink driving conviction and house insurance.