theForum

Getting vehicle and Home contents insurance - 4 mths left before spent


https://forum.unlock.org.uk/Topic33909.aspx

By JASB - 15 May 23 12:51 PM

Hi
For info my offence becomes spent in Sept Smile

Unfortuantely I need to renew my vehicle insurance and now obtain my home contents insurance.

Last year LV gave me my vehicle insurance and said they are not bothered with unspent convictions unless its for "financial fraud". 
This year I've shopped around with dismay. LV wanted £400 which is an increase, other firms wanted circa £280 but then asked if any unspent which changed it to circa £1400!!

LV told me if I took me Home Contents with them I would get another 10% discount of both policies (Multi Cover policy) so I went through getting a quote.
Bearing in mind I did not have to declare on the vehicle insurance, it came as a shock to have to declare on contents! I asked why and they repeated not necessary on vehicle but contents takes a different view. I didn't declare (I knew I would not go forward with it) but I wanted to get an idea of cost. This multi cover turns out a laugh as well, as instead of getting 10% reduction on the vehicle it went up by about 20% !! The only explanation they could offer was because it was a new vehicle quote???

So to round it all up with only a few months left of my needing to declare, it seems I still would get discriminated against, and they would have my conviction on record for eternity! So logic says that being "unspent" may still cause higher payments because some may have my conviction noted still, or have learnt about it when checking my details with other areas!!!

Note: SIS who are a broker in Unlock's list a very high quote and had retained my details (conviction) from a few years back when I made an enquiry about insurance!!!
By JASB - 19 May 23 4:45 PM

Blueman202 - 16 May 23 9:04 AM
JASB - 15 May 23 12:51 PM
Hi
For info my offence becomes spent in Sept Smile

Unfortuantely I need to renew my vehicle insurance and now obtain my home contents insurance.

Last year LV gave me my vehicle insurance and said they are not bothered with unspent convictions unless its for "financial fraud". 
This year I've shopped around with dismay. LV wanted £400 which is an increase, other firms wanted circa £280 but then asked if any unspent which changed it to circa £1400!!

LV told me if I took me Home Contents with them I would get another 10% discount of both policies (Multi Cover policy) so I went through getting a quote.
Bearing in mind I did not have to declare on the vehicle insurance, it came as a shock to have to declare on contents! I asked why and they repeated not necessary on vehicle but contents takes a different view. I didn't declare (I knew I would not go forward with it) but I wanted to get an idea of cost. This multi cover turns out a laugh as well, as instead of getting 10% reduction on the vehicle it went up by about 20% !! The only explanation they could offer was because it was a new vehicle quote???

So to round it all up with only a few months left of my needing to declare, it seems I still would get discriminated against, and they would have my conviction on record for eternity! So logic says that being "unspent" may still cause higher payments because some may have my conviction noted still, or have learnt about it when checking my details with other areas!!!

Note: SIS who are a broker in Unlock's list a very high quote and had retained my details (conviction) from a few years back when I made an enquiry about insurance!!!




I was with LV for car insurance last year didn't have to declare wanted to get a new quote at renewal to see if changing a few bits around and was asked about convictions would have been fine to auto renew but not a new policy I went with privilege in the end I think as they where cheaper I think LV has been removed from the unlock insurance list now.


Hi
I have talked about the renewal they gave, got a deduction then had to talk to the "multi cover" staff and they asked due to home contents insurance. I questioned and they confirmed again.
Interestingly one broker who I declared to started asking about the "words in the charge", details about the event and THEN said insurance companies wanted to know the age of the female. I hadn't gave any of my personal details so challenged all the questions in the same manner they were asked, bluntly!!