Yup. Colleague was about to move into her new home when stupid insurers refused to insure it because she had foolishly admitted that there was a tree in the garden of the new place. No more than a big bush by the sound of it, but too high and too close to the house for this Insurance company's schedule.
This was all done on the phone in the office. She mentioned the tree. The second insurers seemed to realise that suburban gardens quite frequently contain trees and the tree was not a cause for concern to them.
... having worked for an insurance software house, and gone through various industry training, I think I should point out something.
Insurance is unlike many other areas ... in that if you neglect to mention something that is (or even might be) important in quoting for your policy, then they are perfectly within their rights to say that the policy is invalid. So if ten years from now an aircraft lands on your house, they can come around, see the garage/tree/whatever and say "sorry, you didn't tell us about that, so you never had a valid policy, we don't have to pay you, nyah nyah!"
The burden of evidence and proof is on you, and ignorance/error/honest mistake doesn't really come into it.
(If I'm wrong about this, I'm sure someone will be along in a minute to correct me!)
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robinbloke) wrote2006-01-20 02:38 pm
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She used a different Insurer.
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Good luck .. however ...
Insurance is unlike many other areas ... in that if you neglect to mention something that is (or even might be) important in quoting for your policy, then they are perfectly within their rights to say that the policy is invalid. So if ten years from now an aircraft lands on your house, they can come around, see the garage/tree/whatever and say "sorry, you didn't tell us about that, so you never had a valid policy, we don't have to pay you, nyah nyah!"
The burden of evidence and proof is on you, and ignorance/error/honest mistake doesn't really come into it.
(If I'm wrong about this, I'm sure someone will be along in a minute to correct me!)