home insurance case studies

Refused Insurance

Refused home insurance

21 November 2011

Mrs Watkins came to homeprotect after 4 years of trouble with her insurance. On an online insurance application she made a simple data entry error and did not declare a previous claim. Their insurance company accused them of fraud and cancelled their policy without allowing them any defence in their case.

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timber frame property insurance

flood risk timber frame property

31 January 2011

Peter, a property owner of a 16th century half timbered property near Shropshire, found that because he lived within 200 meters from a river, which although had never been flooded in the twelve years of residency at his home, was refused property insurance from his insurer.

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subsidence insurance

subsidence on a 19th century property

31 January 2011

Aberdeen based Derek Guilionotti was unable to find an insurer which would cover his 1830’s house due to historical subsidence. After five years of no claims history he found when his home insurance came up for renewal, his previous provider refused to cover the property.

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unoccupied property insurance

Refused home insurance

31 January 2011

Yorkshire based, property owner, Pauline, a retired solicitor struggled to obtain a suitable home insurance quote for an unoccupied property, one which covered her home and contents whilst travelling to see her family abroad. Many insurers confirmed that if the couple were away for longer than the six week industry standard, there would be difficulties in offering insurance cover on their property.

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convicted insurance

insurance for criminal convictions

27 January 2011

John found himself in an unwinnable situation when a family member with a criminal conviction was released from prison suddenly, into his care.

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converted property insurance

converted property insurance

27 January 2011

A Berkshire-based property owner of two houses converted into one, struggled to find property and contents insurance which offered a reasonable premium - until he came across homeprotect.

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flooding insurance

flood insurance

24 January 2011

Hull-based, property owner, Jacqueline, whose property had been affected by secondary flooding following the Hull floods in 2007, found her normal premium had jumped significantly when her renewal was up last year.

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insurance cancelled

home insurance cancelled or refused

21 January 2011

After being burgled for over £9000 on the first day of his Christmas holiday in 2008, Barry, a homeowner in Blackpool, had his insurance cancelled after his insurance company imposed unreasonable special terms on his policy which he couldn't comply with.

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insurance convictions

convicted insurance

21 January 2011

Ex-offender Julie, from the South-West, was denied home insurance contents renewal, even though she had never made a claim, as she had failed to declare a criminal conviction.

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