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Can I just throw out all this old paperwork?

26 replies

confusedlots · 12/03/2026 22:00

I am having a major declutter. Our house could easily feature on Sort Your Life Out so you can imagine what I am dealing with. This is a mammoth task and one which is taking a long time, but I do feel like I am slowly getting somewhere.

I am currently working through all our paperwork and important documents, throwing out what I can and filing the rest where I can actually easily it in the future, hopefully no more spending hours searching for lost passports or someone’s birth certificate when I need it.

I have house insurance documents dating back 10 years and more (before everything was sent electronically and you received everything in the post), car insurance documents, rates bills etc. do I need to keep these? I’ve shredded loads of old bank statements from years ago (again from back when you got sent a monthly statement in the post) but for some reason I’m wondering if I need to keep these insurance documents etc? Would there be any reason I would need them now? I’d love to get rid of as much as I can but clearly not if I might need it for some reason?

OP posts:
TitsWILLbetatted · 04/06/2026 08:55

I recently read that 12 years' retention is recommended for HMRC docs. HMRC often lose docs themselves.

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