Can anyone help ?

[Bazile]

Just looking at the wording for the conditions of elgibility for the provision of house insurance from a number of companies - the following , appears to be standard

'' you anybody living with you or anyone that will be living with you has never had an insurance application declined , renewal refused , cover terminated or special conditions imposed by an insurer ''

It's the '' never had an insurance application declined '' that's unclear to me .

1. Does it mean any type of insurance

2. What about this scenario - you phone up an insurance company for a quote - you go through the questions - they then tell you that they cant provide cover for your details - because , for example of the close proxmity of trees .

Does this now mean that you - have had an application for insurance declined - and so other insurers wont provide cover , because you cant meet the criteria of '' never had an insurance application declined '' ?

[ChuckFickens]

1) yes

2) yes

[Bazile]

If that is the case then there must be loads of people who cant get house insurance because of this clause ; simply because a particular insurer that they happened to go to FIRST cant provide cover because of close proximity of trees or a watercourse , for example - whereas if by luck they had happened to phone up a different insurer who didn' have an issue with trees / watercourse , then cover would have been provided .

So if you want to get your house covered and by sheer bad luck happen to approach a company who cant provide cover because of close proximity with trees / watercourse for example - what do you do ?

[buildersmate]

No, it doesn't mean what you imply. It merely means you have to disclose any previous declining of insurance - not that they won't automatically cover you if you do make such a disclosure.
Insurance is all about assessing risk - the risk you you might make a claim. The higher the company assesses the risk, the higher the premium quoted. Companies want to know if one of their competititors have decided to decline a proposal before taking you on as a risk.

[Bazile]

Thanks

When you go on these price comparion sites , eg - Go Compare - it often gives quotes for the majority of companies , however there are ususally some at the end of the list who dont give a quote .

Does the '' never had an insurance application declined '' apply in those instances ?