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Roger The Butler
12 Jan 10 12:13
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Date Joined: 20 Aug 02
| Topic/replies: 3,511 | Blogger: Roger The Butler's blog
If you have a garage in a block (ie. not attached to your house) is this generally covered under home insurance?

If you have not put in a claim for something but when your insurance with a company runs out you have renewed with them, can you still claim for something that happened within the previous year's insurance?
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Report MRGRUMPY1 • January 12, 2010 12:19 PM GMT
With some policies garage included with some it isn't. Always pays to read the small print.
Report Roger The Butler • January 12, 2010 12:20 PM GMT
Cheers. What about claiming for something that occured in the previous year's insurance with the same company?
Report Five By Five • January 12, 2010 12:21 PM GMT
Arent you always supposed to notify them 'instantly' so i doubt they would cover last year.
Report MRGRUMPY1 • January 12, 2010 12:23 PM GMT
Can't see why not. Though do you need to tell them when it happened?
Report MRGRUMPY1 • January 12, 2010 12:25 PM GMT
You may have loose tiles on a roof. However you may not be aware until we have a severe downpour. Say there is always leeway.
Report Roger The Butler • January 12, 2010 12:27 PM GMT
But if I was aware there was a problem months ago but didn't notify them, will they tell me to get lost if I try to claim for it now?
Report MRGRUMPY1 • January 12, 2010 12:29 PM GMT
Just lie if possible, everyone else does.
Report Roger The Butler • January 12, 2010 12:30 PM GMT
Sounds like good advice. I'm in.
Report MRGRUMPY1 • January 12, 2010 12:30 PM GMT
Seriously, a lot will depend what the claim is for and how much.
Report Beanyjames • January 12, 2010 12:36 PM GMT
non disclosure serious issue in the insurance game! no doubt you've paid the premium based on no losses last year.
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