There are several reasons why your claim might be rejected:
Inaccurate or withheld information
the cover we offer you is based on the information you provided when buying or renewing your policy. If this information isn’t accurate, we may reject your claim. That’s why it’s important to take the time to answer our questions as accurately as possible and check your policy details at renewal.
Wear and tear
wear and tear is not covered under homeprotect policies. To avoid your claim being rejected due to wear and tear, it’s important to carry out regular maintenance on your home.
Contents not specified
some items of contents need to be specified on your policy to be covered. If you make a claim for an item that should have been specified on your policy, we’ll likely reject your claim. More guidance on specified items can be found in your policy booklet.
Partial pay out
we might refuse to pay the full amount of your claim if you’ve under-estimated the total value of your buildings or contents cover (known as ‘being under-insured’).