Insurance

[hairupdo]

If you need a house repair and the insurance has run out could you renew the insurance, have the repair done and then claim it back on insurance?

Just wondering if there are any loop holes in doing this.

You can but it’s fraud and they’re wise to this kind of thing. It’s cheating, it’s stealing and there’s a good reason why it’s not allowed.

Your problem will be dependent on what work you are trying to scam out of them - you won't be able to pretend about lots of things happening more recently than they did.

You could try.
but they aren’t daft.

If you put in a claim just after taking out insurance there's a good chance they'll send out an assessor. How are you going to explain to them the fact there's no work needing done. Insurance companies aren't daft. They know all the scams

How are you going to provide invoices or receipts for the work when it's all been done before you submitted your claim

It's insurance fraud. You could end up being uninsurable

You would be lying on the renewal if you said the house was in a good state of repair. It's a pre existing repair so wouldn't be covered on a new policy unless you told a lie when taking out the policy

It’s really irresponsible to have let your buildings insurance lapse. If there was a major issue (fire for example) you would lose your house with no recompense.

So renew your insurance today, but no, obviously don’t fraudulently claim.

People don't generally get house repairs done on insurance, insurance is for unfortunate events not general repairs

What is the nature of the repair? Insurance is not for the general upkeep of your house.

Insurance only tends to cover unpredictable situations. So you would need to be clear it was as a result of such, not just poor maintenance or a known problem, or an exclusion. If you have no live insurance at the time it occurred you cannot claim.

No, it's fraud.

Have you never seen that program on TV about insurance fraud investigation? Can't remember what it's called but it would give you an insight into how suspicions are raised about claims and how they do further investigations before declining claims believed to be fraudulent.

It's called Claimed and Shamed I think

Thanks for the replies.

It's not for my property and I had no idea how house insurance works. I was looking into it on behalf of an elderly parent who may have let the insurance lapse.

What is the problem?

Most policies autorenew. Who was it with?

Is the elderly parent on pension credit, if so they may be able to get local authority help toward house repairs

If they have contents insurance separately those might be covered ie.carpet but not the source of the damage ie. Roof leak , or damage to the fabric of the building.