Why can’t I get insurance?
Why Can’t I get Insurance?
Why can’t I get Insurance? It can be an extremely nuanced subject & question. You can’t get insurance (at all), you can get insurance but the price is extortionate, you can’t get insurance for certain perils on a buildings policy that are important, you can’t get insurance with an acceptable excess, you can’t get insurance due to your postcode, you can’t get insurance due to previous claims or you can’t get insurance as you live too close to the sea!
These are just some of the excuses we hear of from the question of, “Why can’t I get insurance?” or can’t get the insurance you deserve for that matter – insurance with reasonable premiums and without unnecessary restrictions.
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Insurance under one roof
We are specialists in many types of insurance
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How can I improve my chances?
The answers to this question can often be difficult to find. In many cases, it can be just plain old bad luck as to why you can’t get the insurance you want, with the best cover & terms there are available. In other cases, it will be due to underwriting appetite of insurers and their ever changing attitudes to risk. Unfortunately, customers are more often than not caught in the middle, and end up having to fork out more money to pay for policies or settle for lesser cover. Having said that, there are ways you can help yourself. Let’s have a look at them…
Don’t claim for everything – One thing insurers do not like, is a policyholder that claims over multiple times a year & for the smallest thing. Insurance should be there for you when you need it most, and good property management, should mean there is a kitty available for certain incidents that may occur. For example, claiming for one single broken window, may be better served by self-insuring. This shows the insurer, you are not a persistent claimer, which will inevitably put their account in deficit. Insurers, do not however, look on negatively when a customer claims for substantial damage when they need genuine help.
Maintain your property regularly – A well maintained property will lead to less claims. Although, your insurance will never cover you for lack of or poor quality maintenance, property maintenance will reduce any attempt to think of making a claim that will inevitably be repudiated. For example, storm claims are common even when the winds are not high enough to constitute a formal storm claim. Flat roofs are often claimed for in windy conditions, but are often rejected as the customer may not have complied with the flat roof condition – such as inspecting the roof, making good any issues that come to light and most importantly, keeping a record of such inspections. A series of repudiated claims, where a lack of maintenance has been illustrated, is a sure-fire way to have insurance renewals offered with high premiums, higher excesses & restricted levels of cover. Insurers will often insist that the property has a maintenance programme in place before they even offer renewal terms. Currently, many insurers will simply decline to offer renewal terms, if there had been any history of poor maintenance.
Think about security – The safer a property is from theft and the better the deterrent, often will lead to lower premiums, reasonable excesses and generally better terms. A burglar alarm can be a significant investment, but over time this investment will be returned in premium reductions. It will also, generally speaking, lead to less claims as the deterrent is in place for any would-be thieves. Less claims will mean better premiums, lower excesses and no perils being excluded when it comes to renewing your policy. For example, many commercial buildings and retail business will often have large theft excesses applied, as a result of theft & malicious damage claims. Getting an alarm will often be a deterrent in the first instance.
Make sure you have a current valid electrical certificate in place (where applicable) – Apart from being a legal requirement in the case of a Commercial Property, it is now a pre-requisite that you have one in place for insurers. Insurers will not ask to see a copy of the Certificate when you start cover, but will do so in the event of a fire at the property when you need to make a claim. If there is no electrical certificate in place, and you declare this to insurers, some insurers will decline to offer any term at all, whilst others will excluded the peril of fire at the property.
These are just some important tips that will help you resolve the problem of not getting insurance the insurance you require. If you need any further tips, please contact us on 0208 651 3131, where we will be glad to help.
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Why choose the Property Insurance Centre
Independent advice by approachable staff online or by phone
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Why choose the Property Insurance Centre
Independent broker with staff you can speak to by phone or online
Access to a wide range of insurers to source suitable insurance cover for your needs
Bespoke Insurance Schemes & Portfolio Policies available
We can tailor your policy to suit your exact needs to give you complete peace of mind
Competitive Premiums
Cover available for the buildings while the property is being converted, renovated or extended
Over 40 years experience working with the best insurers in the UK
Excellent communication so that you understand what risks you are insured against
Specialists in Commercial & Residential Insurance
We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.
Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.
Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.
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