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Home Insurance


Home Insurance

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CC
CC
Supreme Being
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Hi every one, hope your all well. Just an update. I have received my renewal invitation from LV with no reference to anything out of the ordinary. Because nothing has changed at my end I will just go ahead and renew. 
It would appear that what they [ LV ] told me was correct that as I was with them before their policy change came into effect that no new conditions will be applied.
Although good news for me its regrettable they cannot offer this to everyone. 


JASB
JASB
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CC - 3 Nov 20 8:25 AM
Hi every one, hope your all well. Just an update. I have received my renewal invitation from LV with no reference to anything out of the ordinary. Because nothing has changed at my end I will just go ahead and renew. 
It would appear that what they [ LV ] told me was correct that as I was with them before their policy change came into effect that no new conditions will be applied.
Although good news for me its regrettable they cannot offer this to everyone. 


Hi

Well done, out of curiosity I wonder when the policy change happened as I joined them in may this year, did declare but was not only interested in "financial" offences.
Suppose fingers crossed for next May....

take care 

Society suggests I must let go of all my expectations but I disagree, as whilst I have a voice, I have hope.

Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
------------------------------

This forum supports these words, thank you Unlock and your contributors.

east72
east72
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How long have you been with them as I was 4 years before this year ?
CC
CC
Supreme Being
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east72 - 3 Nov 20 7:11 PM
How long have you been with them as I was 4 years before this year ?

As far as I can recall I have been with them since at least 2016 maybe longer but thats the oldest policy I have to hand.
dedalus
dedalus
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Hi,
I am currently with esure and they state anyone who receives a conviction should tell them. This is in their booklet.
I was under the impression that they only needed telling at renewal but this does not appear to be the case. 
Am I better cancelling this policy and getting another one setup with a specialist insurer?
My current policy wasn' t due for renewal until August. 
AB2014
AB2014
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dedalus - 16 Dec 21 9:00 PM
Hi,
I am currently with esure and they state anyone who receives a conviction should tell them. This is in their booklet.
I was under the impression that they only needed telling at renewal but this does not appear to be the case. 
Am I better cancelling this policy and getting another one setup with a specialist insurer?
My current policy wasn' t due for renewal until August. 

Well, you could tell them and see what they say. If they say they can't insure you, that's not a cancellation, it's just that they don't have a produce that suits your circumstances. That's what Unlock told me, anyway. Otherwise, have a look through Unlock's list of insurers and contact some to get an idea of what you'd have to pay with them.

=========================================================================================================

If you are to punish a man retributively you must injure him. If you are to reform him you must improve him. And men are not improved by injuries. (George Bernard Shaw)

dedalus
dedalus
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AB2014 - 17 Dec 21 12:23 PM
dedalus - 16 Dec 21 9:00 PM
Hi,
I am currently with esure and they state anyone who receives a conviction should tell them. This is in their booklet.
I was under the impression that they only needed telling at renewal but this does not appear to be the case. 
Am I better cancelling this policy and getting another one setup with a specialist insurer?
My current policy wasn' t due for renewal until August. 

Well, you could tell them and see what they say. If they say they can't insure you, that's not a cancellation, it's just that they don't have a produce that suits your circumstances. That's what Unlock told me, anyway. Otherwise, have a look through Unlock's list of insurers and contact some to get an idea of what you'd have to pay with them.

I've looked at a few brokers and changing insurers will cost me 200 quid more for the year. I think I will play it safe, cancel existing policies and take out new ones with the brokers for a year.

Getting a conviction, however minimal, has opened my eyes on the vindictive nature of the british justice system...
Mark15788
Mark15788
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This is something I need to get sorted. I keep putting it off. I have no issues with disclosure when asked in terms of jobs etc, but with insurance I get the scared feeling of I’m honest.
JASB
JASB
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Mark15788 - 21 Dec 21 9:26 AM
This is something I need to get sorted. I keep putting it off. I have no issues with disclosure when asked in terms of jobs etc, but with insurance I get the scared feeling of I’m honest.

Hi
LV gave me motor insurance on disclosure; seems as not a financial offence they were OK.
Just ask the question "do you insure ex-offenders" before going into details about yourself. 
Good luck 

Society suggests I must let go of all my expectations but I disagree, as whilst I have a voice, I have hope.

Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
------------------------------

This forum supports these words, thank you Unlock and your contributors.

GO


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