building insurance and subsidence

[mandimoo]

i bought my house 12 years ago and had it valued by 2 bldg society at the time. one of the valuations stated the property showed evidence of past movement, but no recent movement. i did not get my mortgage with that bank. i (now believe foolishly) admitted that the valuation had said this when shopping around for building insurance and struggled to find someone to quote. i did find someone in the end and have been insured with them for about 12 years. the property, as far as im concerned has had no problem and is not on the move. but because i am on record of admitting this, i cant just suddenly start saying there has been NO evidence of past movement. how on earth do i get it proved that my property is not on the move? and how much is it likely to cost?

[bednobs]

its not foolish to disclose material facts, its foolish NOT to disclose them as you could find yourself with no cover when you need it most. you dont make it clear why you need more quotes - are your current people now refusing you?
anywway, you can just say there has been no subsidence for x amount of years

[mandimoo]

no, its just that its renewal time again, and im sure im being ripped as i havent moved for 12 years, its just that as soon as i say there was evidence of past movement they cant get off the phone quick enough so i end up sticking with this company year on year. but thanks, i will try and go at in from the angle that there has been no movement for minimum 12 years and see where it get me.
ta very much!

[themas]

Bednobs is right - you must disclose it. However, I can understand your concern. I've been with the same insurer for over 30 years for much the same reason - although I can't remember now when I last tried to change!

I've even had people not interested in quoting for contents insurance! (For some reason I've never understood quite a few insurers ask about subsidence on their contents forms).

Its daft really, and rather irritating, but at least you do have insurance - better than the poor people who have been flooded & can't get insured at all.