B. You must notify us as soon as possible of any change which may affect this insurance. The whole policy or a section of it may be avoided or come to an end without you receiving any payment if you do not tell us of any changes that happen after the policy has started. In particular you must tell us:
...
3. if the private home is intended to be lent, let or sublet
I contacted FBD and explained that the nature of the occupancy had no material effect on the fire and requested they accept the claim.
I contacted FBD and explained that the nature of the occupancy had no material effect on the fire and requested they accept the claim.
I contacted FBD and explained that the nature of the occupancy had no material effect on the fire
/QUOTE]
Why did you even contact your insurance company over a fire in a shed? How much damage was caused, sometimes it's better just do minor repairs yourself rather than putting it through the insurance and risk increasing your annual premium.
Thanks for all the replies. The oil boiler was in the shed. Aloud bang was heard and shed went on fire. Would have happened regardless of who was in the house.
The oil boiler was in the shed. A loud bang was heard and shed went on fire. Would have happened regardless of who was in the house.
If you told them while making the claim, why did you tell them? I appreciate it would have been dishonest and fraudulent to not have told them
I presume that as the OP did not realise that there was a problem in not notifying them that the house was rented when he renewed the insurance, it wouldn't have occurred to him that there was a problem in making the claim.
Brendan
Thanks for the input Jim. I presume they would have paid out as the only reason the refused claim was non disclosure.
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