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Home Insurance


Home Insurance

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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.
east72
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How long have you been with them as I was 4 years before this year ?
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 

Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
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 - 23 Sep 20 6:58 PM
CC - 23 Sep 20 6:55 PM
JASB - 23 Sep 20 4:51 PM
CC - 21 Sep 20 10:19 PM
JASB - 21 Sep 20 10:46 AM
[quote]
Greyfhaer - 21 Sep 20 8:50 AM
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?




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


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.

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 

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

thanks and good luck

Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
CC
CC
Supreme Being
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CC - 23 Sep 20 6:55 PM
JASB - 23 Sep 20 4:51 PM
CC - 21 Sep 20 10:19 PM
JASB - 21 Sep 20 10:46 AM
[quote]
Greyfhaer - 21 Sep 20 8:50 AM
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?




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


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.

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 

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
JASB
JASB
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CC - 21 Sep 20 10:19 PM
JASB - 21 Sep 20 10:46 AM
Greyfhaer - 21 Sep 20 8:50 AM
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?




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


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.

Hi

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

Good luck in your search



Learn from yesterday, live for today, hope is for tomorrow else what is left if you remove a mans hope.
CC
CC
Supreme Being
Supreme Being (22K reputation)Supreme Being (22K reputation)Supreme Being (22K reputation)Supreme Being (22K reputation)Supreme Being (22K reputation)Supreme Being (22K reputation)Supreme Being (22K reputation)Supreme Being (22K reputation)Supreme Being (22K reputation)

Group: Forum Members
Posts: 201, Visits: 5.5K
JASB - 21 Sep 20 10:46 AM
Greyfhaer - 21 Sep 20 8:50 AM
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?




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


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.
JASB
JASB
Supreme Being
Supreme Being (23K reputation)Supreme Being (23K reputation)Supreme Being (23K reputation)Supreme Being (23K reputation)Supreme Being (23K reputation)Supreme Being (23K reputation)Supreme Being (23K reputation)Supreme Being (23K reputation)Supreme Being (23K reputation)

Group: Awaiting Activation
Posts: 613, Visits: 943
Greyfhaer - 21 Sep 20 8:50 AM
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?




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



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




GO


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