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jin | My home insurance was declared void where can i get insurance? |
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Bradley S
 |
I recommend speaking with an insurance broker. A broker works with several companies and can identify the best company, rates, and coverage for you. To find a broker in your area, log on to a website like http://www.homeownerswiz.com and fill out a form requesting a free quote. Good luck! |
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amust2407
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My guess is.....you lied about your circumstances and your policy was declared void. From here on out, every company you speak with will ask you the question, "Have you ever had insurance cancelled, rejected, or refused renewal?"
If you lie you'll find yourself back in the same boat when they find out the truth, and if you tell the truth, they won't write you.
Sounds to me like you're screwed. You shouldn't have told a fib(.....assuming that's what you did). |
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misstraceyrick
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insurance companies normally only declare a policy void if you have made a fraudulent claim and i think you will find it extremely hard to get another insurance company to accept you should this be the case. |
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sparkle555_2000
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Why was your policy declared void? Have you been up to no good?
I'm not sure where you will be able to find cover now; most people will not trust you if you have done something bad. You will probably have to go to an agent, tell them what you have done, and just hope that they will find someone willing to cover you. It will probably be very expensive though, as you will be considered what is known in the industry as a bad moral hazard. |
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welcome news
|
If you contact BIBA they'll be able to put you in contact with one of their members as BIBA have a scheme for people with difficult house insurance problems.
Another company to look out for is Prestige (PArt of HSBC Group) who also have a N-S policy - again through brokers.
Under no circumstances should you try and fix up the policy without going to a professional broker. |
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Sue
|
Well, the only reasons I know that a policy is declared void are either a fraudulent claim or material misrepresentation (meaning you lied on the application & if you had told the truth, the policy would not have been written). If it was material misrepresenation, if you told the truth on the application, someone may have been able to write your policy, at a cost, but the policy would still be in effect now. You just needed to call around until you found something. The next thing you need to do is to call around. Depending on the circumstances, you may or may not be able to get new coverage. Call several independent agents - you MAY be able to get coverage in the surplus & excess market or your State's Fair plan but you won't be able to find out until you make the calls.
If you have no luck, if you do not have a mortgage, you can go without & hope that nothing happens. If you have a mortgage, the bank will force place coverage for damage to the house for their interest in the house (meaning the mortgage amount). This is coverage for them, not you, but they will charge you for it. This way, if you have a covered total loss, at least the mortgage will be paid off & you would only be out the balance of the rebuilding costs.
Remember, it is always best to tell the truth, especially to an insurance company because sooner or later, they will find out the truth... |
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bud68
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Why was it "declared void?" |
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oobedoo
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there must be a good reason try the supermarkets |
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