Most insurance companies seem to ask this and expect an answer. Isnt it
> rather un-specific though. I have recently been refused home insurance with
> esure because they reckon that the postcode has a history of subsidence. I
> have since had a structural engineers report on the property which says
> there is no subsidence and that the postcode is very low risk for it. I
> have been ringing other insurers and declaring that I have had insurance
> refused and they are telling me it makes no difference because their system
> show no history of subsidence at the postcode. Do I really need to declare
> this every time? Do I need to declare it when I want motor insurance and
> they ask have I ever had insurance declined? What about if it was for a
> different house? Is this going to stick with me for the rest of my life? I
> really wish I had never rang esure now!
>
>
I have had building and contents cover refused by most insurers for the past two years as I had a 15,000 claim for water damage caused by the flat above us in 2002. The guy in the flat above put the plug in the sink, turned on the tap and fell down dead. We were on holiday and the water flowed until he was found eight hours later. Insurers tell me that they refuse anyone who has had a claim over5K in the past five years. Derek.