Hi,

Insurers share your claims information with other insurance companies and can carry out a CUE check which will show your claims history with previous insurers. On this basis it is always the best policy to be truthful about previous claims. Your increase in premiums may not be due to just your recent claim, but it could be that you are in a flood area, this 'flood loading' can change dependent on which Insurance Co you are with. Policies are also index linked yearly (which means the rebuild figure of your home increases yearly to keep in line with current building costs and materials etc). There is also the NCD to take into account, if you were benefitting from a NCD and have lost some or all of this you will have lost the discounted price. I would speak to your Insurer and ask for a breakdown of the premium increase.

Vonnie

Yes you should declare and provide as much information as you have available. What caused the flood in the Garden?

See other thread for related question/answer.

http://www.moneysupermarket.com/community/forums/t/home-insurance-what-is-classed-as-flooding-35737.aspx

Have you asked the Insurance company why the premium has increased by £150? If,so what reason did they give you? In theory if you declared the flooding the premium you paid took this into account. If 12 months has passed and you have not claimed on policy why would Insurers increase the premium by this amount? Is there a flood risk in your postcode area and this has led to Insurers increasing the premium rate? Insurers do compile alot of risk information, taking into account a lot of factors, including flooding. Insurers may therefore know from your postcode whether there has been a problem in your area.

huckster

in 2007 my garden flooded but no water entered the house, i was honest and told the insurance company about this.i am now looking for insurance due to my premium going up a extra £150 after being insured with them for the last 12 months. i have never claimed on my insurance for the past 15 years . do i have to say that i have been flooded when it was only my garden