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Home Insurance

east72 — Wed, 22 Dec 2021 15:27:49 GMT

Who are people using for home insurance with SO i know its going to cost more than main steam but what on average are people paying over the normal pricing ?

RE: Home Insurance

JASB — Wed, 22 Dec 2021 15:27:49 GMT

[quote]

[b]Mark15788 - 21 Dec 21 9:26 AM[/b]

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.

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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

RE: Home Insurance

Mark15788 — Tue, 21 Dec 2021 09:26:38 GMT

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.

dedalus — Mon, 20 Dec 2021 08:59:36 GMT

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[b]AB2014 - 17 Dec 21 12:23 PM[/b]

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[b]dedalus - 16 Dec 21 9:00 PM[/b]

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.

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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.

[/quote]

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...

RE: Home Insurance

AB2014 — Fri, 17 Dec 2021 12:23:42 GMT

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[b]dedalus - 16 Dec 21 9:00 PM[/b]

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RE: Home Insurance

dedalus — Thu, 16 Dec 2021 21:00:30 GMT

RE: Home Insurance

CC — Tue, 03 Nov 2020 23:04:29 GMT

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[b]east72 - 3 Nov 20 7:11 PM[/b]

How long have you been with them as I was 4 years before this year ?

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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.

RE: Home Insurance

east72 — Tue, 03 Nov 2020 19:11:05 GMT

How long have you been with them as I was 4 years before this year ?

RE: Home Insurance

JASB — Tue, 03 Nov 2020 16:50:02 GMT

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[b]CC - 3 Nov 20 8:25 AM[/b]

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.

[/quote]

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

RE: Home Insurance

CC — Tue, 03 Nov 2020 08:25:15 GMT

RE: Home Insurance

JASB — Thu, 24 Sep 2020 10:18:21 GMT

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[b]CC - 23 Sep 20 6:58 PM[/b]

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[b]CC - 23 Sep 20 6:55 PM[/b]

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[b]JASB - 23 Sep 20 4:51 PM[/b]

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[b]CC - 21 Sep 20 10:19 PM[/b]

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[b]JASB - 21 Sep 20 10:46 AM[/b]

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[b]Greyfhaer - 21 Sep 20 8:50 AM[/b]

Hi,

I went on the Unlock website and scrolled through the list of Home Insurers. I found Intelligent Insurance and proceeded to ask for a quote, disclosing what my unspent conviction was for etc.
Upon submitting my form, I was told I needed to ring the company which I did and was told that the Underwriters wanted more information. The info they were asking for was along these lines:

1. Can you explain in more detail why you committed these offences?
2. How long did you serve in prison? (I had already disclosed this on the application form).

At this point I now declined to answer any further questions since I felt it was nothing to do with them.

I was left upset that while they offer quotes for home insurance, that the Underwriters wanted more information and that the quote was liable to be changed once they made a decision.
I am still without Home Insurance and too scared to apply with any other company.

Can anyone suggest one that does not make me feel so wretched?

[/quote]

Hi

I was with SIS for about 5 years and only disclosed to the agent. I did find them more expensive - as they all are - and only moved as they do not cover campervans.

Worth a call as they were none critical

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I inquired with them and was told they wouldn't offer cover. Best to get in first I find. "Hi before we start may I ask if you are able to provide cover for people with unspent convictions?" If they say no or try to get more info from you first then just say " sorry to bother you thanks and bye" that way you've told them nothing. If they ask for a name I give them my first shortened name and no more, " if you are able to give me cover I'll be happy to give you all the details you need. If not ta ta.

[/quote]

Hi JASB, no problems, nothing ventured ! and I didn't give any personal details, I have decided to wait and see what happens at renewal? To be honest I was more concerned why LV had taken this decision and if it was a foretaste of things to come. I guess I will never know?

I am very sorry you received such a response after I had recommended them.

Good luck in your

[/quote]

Hi Jasb, no problems, nothing ventured! I didn't handout any personal details. I was more concerned with why LV had taken this decision but I guess I'm never going to find out. I'm going to wait until renewal and see what happens

[/quote]

thanks and good luck

RE: Home Insurance

CC — Wed, 23 Sep 2020 18:58:26 GMT

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[b]CC - 23 Sep 20 6:55 PM[/b]

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[b]JASB - 23 Sep 20 4:51 PM[/b]

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[b]CC - 21 Sep 20 10:19 PM[/b]

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[b]JASB - 21 Sep 20 10:46 AM[/b]

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[b]Greyfhaer - 21 Sep 20 8:50 AM[/b]

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RE: Home Insurance

JASB — Wed, 23 Sep 2020 16:51:17 GMT

[quote]

[b]CC - 21 Sep 20 10:19 PM[/b]

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[b]JASB - 21 Sep 20 10:46 AM[/b]

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[b]Greyfhaer - 21 Sep 20 8:50 AM[/b]

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Hi

I am very sorry you received such a response after I had recommended them.

Good luck in your search

RE: Home Insurance

CC — Mon, 21 Sep 2020 22:19:04 GMT

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[b]JASB - 21 Sep 20 10:46 AM[/b]

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[b]Greyfhaer - 21 Sep 20 8:50 AM[/b]

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RE: Home Insurance

JASB — Mon, 21 Sep 2020 10:46:03 GMT

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[b]Greyfhaer - 21 Sep 20 8:50 AM[/b]

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RE: Home Insurance

Greyfhaer — Mon, 21 Sep 2020 08:50:42 GMT

RE: Home Insurance

east72 — Sat, 19 Sep 2020 22:12:32 GMT

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[b]CC - 19 Sep 20 9:06 PM[/b]

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[b]east72 - 18 Sep 20 9:14 PM[/b]

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[b]CC - 3 Sep 20 11:49 AM[/b]

Still no letter and getting them to answer the phone is not easy. I'm away on holiday now maybe when I get back but I'm now beginning to doubt they will send anything.

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Hi CC

Still following this did a letter ever appear to help with clarification ?

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Sadly not, I had hopes it would but nothing. I did send an email but they have not even responded to that. All parties I tried to just get an explanation from chose not to respond, rather rude but I am out of options. People with unspent convictions are fairgame for this I guess. I believe society is becoming more intolerant and judgemental and people who speak out against it are getting fewer. My offence happened over 16 years ago and I'm still being penalised for it.
I am unsure if its that they feel being associated with exoffenders is potentially bad for business ( a few of those spring to mind) or plain old intolerance and prejudice .

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That is just out of order when they told you on the phone it will be ok, Something needs to change as a 70 years old with an unspent conviction from 30 years before where is the risk for insurance ?

RE: Home Insurance

CC — Sat, 19 Sep 2020 21:06:31 GMT

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[b]east72 - 18 Sep 20 9:14 PM[/b]

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[b]CC - 3 Sep 20 11:49 AM[/b]

Still no letter and getting them to answer the phone is not easy. I'm away on holiday now maybe when I get back but I'm now beginning to doubt they will send anything.

[/quote]

Hi CC

Still following this did a letter ever appear to help with clarification ?

[/quote]

RE: Home Insurance

east72 — Fri, 18 Sep 2020 21:14:56 GMT

[quote]

[b]CC - 3 Sep 20 11:49 AM[/b]

Still no letter and getting them to answer the phone is not easy. I'm away on holiday now maybe when I get back but I'm now beginning to doubt they will send anything.

[/quote]

Hi CC

Still following this did a letter ever appear to help with clarification ?

RE: Home Insurance

CC — Fri, 04 Sep 2020 09:10:07 GMT

When I spoke to Unlock on their help line they did say they would look into the reasons why this decision was taken. I dont know if they got any further but would be interested to hear?

RE: Home Insurance

CC — Thu, 03 Sep 2020 11:49:20 GMT

Still no letter and getting them to answer the phone is not easy. I'm away on holiday now maybe when I get back but I'm now beginning to doubt they will send anything.

RE: Home Insurance

east72 — Wed, 02 Sep 2020 18:57:40 GMT

Cc did that letter arrive as interested in what their final wording was ?

RE: Home Insurance

CC — Sun, 30 Aug 2020 23:25:36 GMT

[quote]

[b]Yankee - 28 Aug 20 11:54 AM[/b]

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[b]CC - 24 Aug 20 5:48 PM[/b]

Finally got a clearer explanation from a nice lady at LV. It seems that LV have changed their wording on the question of convictions. It goes like this,,, If you have an old unspent conviction( more than 5 years) and you have been with LV for more than 3 years then there is no need to worry your policy will be renewed automatically.

However if you do not fall into this category then unfortunately you will NOT be invited to renew your business with them. New applicants with any unspent conviction of any duration wont be accepted .

I have heard back from my hoiliday home broker Insuremylodge and he has provided me with a broker who is"willing to look at individuals who have unspent convictions. They are Bond Lovis and can be contacted on 08009177355.
As my policy is unaffected by the changes LV have put in place I will stick with them so have not tried Bond lovis.
I am awaiting a letter confirming the above from LV.

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I used Bond Lovis for home buildings and contents insurance. Efficient service, just asked for factual information about conviction which they included in their statement of facts provided to their underwriters and came back with some quotes. Premiums obviously much higher than normal which was to be expected - I just had to accept that until my conviction was spent when I could revert back to the mainstream insurers.

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Hi Yankee, good to know you got some cover but sadly no surprises about the loading, for me my offence although 16years ago won't be spent for another 6 years. Seems an eternity to be paying for my offence but I've come to accept it for the most part.

RE: Home Insurance

Yankee — Fri, 28 Aug 2020 11:54:18 GMT

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[b]CC - 24 Aug 20 5:48 PM[/b]

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RE: Home Insurance

CC — Thu, 27 Aug 2020 14:57:03 GMT

Not yet, I'll give them a few more days.