If you claim on home insurance emergency plan (no excess) will your premium definitely go up significantly next year?

[Truly2435]

If you claim on home insurance emergency plan (no excess) will your premium definitely go up significantly next year?

Even if you switch insurance providers next year?

I know that’s the case with car insurance but not entirely sure with home insurance. If anyone has any real life experiences, that’d be great.

I was considering claiming for a repair that costs £160 for an emergency water leak (from countrywide home emergency cover / Axa)

Yes it will go up in price if you claim. Depending on how much you pay per year currently you can decide whether they £160 is worth it.

Yes definitely. I've had to claim twice on mine in the last few years (once was a burglary where they smashed a door in, the other was a stolen car driven into my garage) and despite there being no fault on my part whatsoever, my premiums have gone up massively as a result.

Thanks both. Even if you go to a different insurance provider next year?

@TrollTheRespawnJeremy @Murraytheskull

Hmm I claimed on home emergency this year, my premium only went up £20. Think my HE cover might be a secondary, additional policy on top of the main one though.

@truly2345 yes I went with a different provider but you have to declare any claims you've made over the last few years.

Yes with any provider it will be more expensive, although odds are the insurer you had the claim with will be less competitive.