I was hoping someone with knowledge of insurance companies could help me out.
Father in law passed away a few years ago, and their house insurance was always in his name but my mother in law has never changed the name on the insurance policy and has simply renewed it in her deceased husband's name. She now wants to claim on the insurance for some damage caused by last week's high winds. Should it be straight forward for her to claim or is there a possibility that the insurance company will deny her claim on the basis that the policy holder has been deceased prior to renewal of the policy?
If so, what "work arounds" would you suggest to ensure her claim goes through hassle free?
She wants me to help her out with making the claim. I just want to make sure I'm well armed with the right knowledge before I phone the broker.
Quote from: theskull1 on January 14, 2008, 03:32:34 PM
I was hoping someone with knowledge of insurance companies could help me out.
Father in law passed away a few years ago, and their house insurance was always in his name but my mother in law has never changed the name on the insurance policy and has simply renewed it in her deceased husband's name. She now wants to claim on the insurance for some damage caused by last week's high winds. Should it be straight forward for her to claim or is there a possibility that the insurance company will deny her claim on the basis that the policy holder has been deceased prior to renewal of the policy?
If so, what "work arounds" would you suggest to ensure her claim goes through hassle free?
She wants me to help her out with making the claim. I just want to make sure I'm well armed with the right knowledge before I phone the broker.
I have a mate rightly up in a leading insurance firm. Have asked the question and will get back to you shortly.
Skull, it depends how much she is claiming for. If it is less than £400/500 then the company will not send out a loss adjuster and thereby you could just sign the form in your father-in-law's name and the company would be none the wiser. If it's above this figure then they may send out a loss adjuster and there'll be more difficulties. Another thing to watch out for is that the claim cheque will be made payable to the policyholder normally, you'll have to work your way round that one too.
"There should not be a problem with this as they were husband and wife. the policy will have to be amended to read in the lady's name. An insurer would be very harsh to try and get out of a contract on these grounds and in my opinion would not try this"
But he's from Cookstown so...... :P
Thanks guy's for such a quick response
Think the cliam will be more than £400-500.
So do you think she (I) should be up front about this from the start?
should be no real problem,you will need a copy of the death cert though
You said you were dealing with a broker, have a word with them, if they are worth their salt they can suss the situation out for sure. It's one of the advantages of dealing with a broker rather than directly with a company. They can ring the company and without mentioning names or policy numbers they can ask the company what their attitude would be.
Cheers lads...really appreciate the advice
Sorry to hi jack this old thread but saves me opening a new one to ask a question.recently bought a new house and need to get house insurance,all advice or help welcomed.should I ring around it local area or just use go compare or a site of that type??
Some local brokers only have a few home insurance products so do your research on the aggregator sites first, then phone local and see if they are comparable.
I like using brokers, but only when price is right.
Quote from: bigfrank on December 03, 2018, 05:57:09 PM
Sorry to hi jack this old thread but saves me opening a new one to ask a question.recently bought a new house and need to get house insurance,all advice or help welcomed.should I ring around it local area or just use go compare or a site of that type??
AXA or Abbey usually good places to start
Comparison websites if your in the occupied 6.
Appreciate the help,some of the forms/questions online are a bit confusing,I don't want to lie about something when I don't actually know the answer,il get something sorted
I haven't used it myself but my was just telling me the other day about using Quidco to get his and he got good bit off.
Quote from: bigfrank on December 03, 2018, 09:22:30 PM
Appreciate the help,some of the forms/questions online are a bit confusing,I don't want to lie about something when I don't actually know the answer,il get something sorted
Def don't do that (lie) - you will be found out. You could just call a local broker (Autoline if in NI) and they can help answer the questions that you don't know the answer to.
Mrs. Baloney reliably assures me that Farmer's Union (in the north) are as cheap and comprehensive as anyone.
Quote from: Tony Baloney on December 04, 2018, 01:50:37 PM
Mrs. Baloney reliably assures me that Farmer's Union (in the north) are as cheap and comprehensive as anyone.
We're with AXA but heard that the Farmer's Union are as good as any.
How does one estimate re-build cost?
Anyone insured with Aviva on their web-only policy? It is offering a very competitive quote but says that it doesn't come with any phone support, this is purely only by email and text if you need to deal with them. It's something you hopefully never need to speak to anyone about.
Quote from: maddog on January 14, 2008, 03:43:16 PM"There should not be a problem with this as they were husband and wife. the policy will have to be amended to read in the lady's name. An insurer would be very harsh to try and get out of a contract on these grounds and in my opinion would not try this"
But he's from Cookstown so...... :P
Never, ever, ever trust an insurance company.
Trust me I speak from bitter experience.
Quote from: 93-DY-SAM on November 23, 2023, 04:40:56 PMAnyone insured with Aviva on their web-only policy? It is offering a very competitive quote but says that it doesn't come with any phone support, this is purely only by email and text if you need to deal with them. It's something you hopefully never need to speak to anyone about.
I have this cover, have done for 2 years, haven't made a claim so I don't know about that end of it, but the website is handy navigated is about all I can tell you. I assume there's an app but I haven't bothered with it.
Quote from: ziggy90 on November 23, 2023, 06:21:33 PMQuote from: maddog on January 14, 2008, 03:43:16 PM"There should not be a problem with this as they were husband and wife. the policy will have to be amended to read in the lady's name. An insurer would be very harsh to try and get out of a contract on these grounds and in my opinion would not try this"
But he's from Cookstown so...... :P
Never, ever, ever trust an insurance company.
Trust me I speak from bitter experience.
I'm sure Maddog appreciates the advice. Sitting as he has before his screen waiting on your reply, with baited breath, for just 15 years.
😁😁
Quote from: ziggy90 on November 23, 2023, 06:21:33 PMQuote from: maddog on January 14, 2008, 03:43:16 PM"There should not be a problem with this as they were husband and wife. the policy will have to be amended to read in the lady's name. An insurer would be very harsh to try and get out of a contract on these grounds and in my opinion would not try this"
But he's from Cookstown so...... :P
Never, ever, ever trust an insurance company.
Trust me I speak from bitter experience.
Quote from: Gold on November 24, 2023, 10:51:30 AMQuote from: ziggy90 on November 23, 2023, 06:21:33 PMQuote from: maddog on January 14, 2008, 03:43:16 PM"There should not be a problem with this as they were husband and wife. the policy will have to be amended to read in the lady's name. An insurer would be very harsh to try and get out of a contract on these grounds and in my opinion would not try this"
But he's from Cookstown so...... :P
Never, ever, ever trust an insurance company.
Trust me I speak from bitter experience.
I'm sure Maddog appreciates the advice. Sitting as he has before his screen waiting on your reply, with baited breath, for just 15 years.
😁😁
Ziggy90 is usually quicker with a retort than that. ;)
Quote from: maddog on November 24, 2023, 11:46:57 AMQuote from: ziggy90 on November 23, 2023, 06:21:33 PMQuote from: maddog on January 14, 2008, 03:43:16 PM"There should not be a problem with this as they were husband and wife. the policy will have to be amended to read in the lady's name. An insurer would be very harsh to try and get out of a contract on these grounds and in my opinion would not try this"
But he's from Cookstown so...... :P
Never, ever, ever trust an insurance company.
Trust me I speak from bitter experience.
Quote from: Gold on November 24, 2023, 10:51:30 AMQuote from: ziggy90 on November 23, 2023, 06:21:33 PMQuote from: maddog on January 14, 2008, 03:43:16 PM"There should not be a problem with this as they were husband and wife. the policy will have to be amended to read in the lady's name. An insurer would be very harsh to try and get out of a contract on these grounds and in my opinion would not try this"
But he's from Cookstown so...... :P
Never, ever, ever trust an insurance company.
Trust me I speak from bitter experience.
I'm sure Maddog appreciates the advice. Sitting as he has before his screen waiting on your reply, with baited breath, for just 15 years.
😁😁
Ziggy90 is usually quicker with a retort than that. ;)
I haven't a clue what he's on about.
Do enlighten me Gold.
Your reply was 15 years after the original post...
Quote from: imtommygunn on November 24, 2023, 02:17:04 PMYour reply was 15 years after the original post...
15 years, things starting to slide lol
Quote from: Milltown Row2 ;D ;Dquote author=Milltown Row2 link=msg=2239644 date=1700836297]
Quote from: imtommygunn on November 24, 2023, 02:17:04 PMYour reply was 15 years after the original post...
15 years, things starting to slide lol
link=msg=2239644 date=1700836297]
Quote from: imtommygunn on November 24, 2023, 02:17:04 PMYour reply was 15 years after the original post...
15 years, things starting to slide lol
[/quote]
Doh. ;D
Still true though.