House insurance claim - Stupid or not?

Do you have a no-claim discount? How much is your premium?

Are you even sure you are entitled to claim? Was there a specific event, covered under the policy, which made the repair/replacement necessary? If they were just rotten, that's wear and tear and not usually covered.

I had full no claims discount and Yes I am sure I can claim. The damage was caused by a storm in January. The insurance company has already ok'ed the claim as long as it is under

I just got a quote online from my insurance co (M&S) with and without no claims. It made a difference of 120.

Its on the cusp I reckon of whether its worth claiming or not

But if the fence hadn't already been rotten, the storm wouldn't have been the proverbial last straw. :-)

Quite, bearing in mind that the difference will apply not just for one year, but will reduce gradually over several years until you get back to the level of however many years of NCD you have now.

In message , Steve Rainbird writes

That quote is likely to be a quote for 'new business' and as M&S cherry pick they will be trying to disuade a new client . But you are not a new client, you are an existing client. Why not ring them and ask?

For the benefit of anybody else in my situation.

I just telephoned my insurance company (M&S) and they said that if this was my 1st claim in 4 years then the renewal would not be loaded at all.

For the second I could lose 2 yrs no claims and so the renewal would be increased by about 10%.