DD

Re your earlier comments.

I'll give you a couple of examples of dodgy claims.

A senior bank employee who sprinkled paint around her living room trying to claim for new furniture and carpets. The Loss adjusters questioned how the event occured and they got her to act out the accident event. The acting must have been bad, as it proved that the distribution of paint could not have occured as stated. It proved that she had gone around the room flicking paint. Claim declined and policy voided. No come back, what an idiot damaging her own Contents, to try to get a room makeover.

Another Financial services employee who claimed for a camera a few years in a row, to pay for the cost of their holidays. They were caught out as the documents used to support the claim, were the same each time. Submitting the same info two years in a row, is a bit stupid.

So I think your son has a point.

Huckster

Ok have got quotes with just myself as named insured and lo and behold have received loads of competative quotes. Will now study and choose accordingly.

DD

Thanks again all!!!

Thank you for that.

I will try putting myself as sole named insured.

I know it is felt that the unemployed make more claims but my son, who is an insurance fraud investigator tells me it those who are quite well off and employed who make the most and usually outrageous claims...the tales that boy could tell!

DD

DD

Do as TTlady suggests. If you put the Insurance in your sole name, the premium may be cheaper.

Your husband and family who live with you will still be covered. A Home Insurance covers, you and members of your family who normally reside with you.

All it will mean is that only you can deal with the Insurance company. You would have to submit any claims, renew the policy etc.

It is daft but Insurers do statistically believe, that the unemployed will make more claims against the Insurance.

Huckster

Our Home/Contents Insurance is up for renewal next month. As always I look to see if I can get a similar product at a more competative price. However, my husband has just been made redundant and being honest I have declared this when asked about employment status. Many Insurers are refusing to give a quote due to "employment status"..I assume it is because he is employed and not because I work full time!!! Many times when incidents are reported in the media about house fires... the reporter states that the home owner didn't have insurance. So when trying to get it organised for the coming year I am being penalised because my hubby is out of work. This means that there is someone at home most of the time thus reducing the chances of fire etc but I am playing devils advocate here and suggesting that the insurance companies think we are at higher risk of making a claim because he is not earning!!!

Any suggestions etc gratefully received

DD