Really confused about home insurance so called "claim"

[LittleMissMe99]

Last year, our roof leaked and as I've never claimed on house insurance (in 20 years!) I had no clue if this would be covered. I gave them a ring to enquire if our policy covered storm damage (cause of the leaking) and they said someone would have to come out and look. Which they did and sadly I was not covered. That was that.

When my renewal came through it stated I had made a CLAIM on the insurance. This really surprised me so I rang them and they were adamant if they send someone out....it constitutes a claim. I left them and went elsewhere.

Come to now and I'm shopping for insurance again and they ask if I made a claim....I have to say yes. Then the next question is for how much? Well I have no idea, as I didn't actually make a claim! So my question is does that sound right? Did I make a claim and if so what do I put as the claim amount?

You need to complain to the insurer who registered the claim - if they refuse to help you can refer your complaint to the Financial Ombudsman Service for free, they're very good at making insurance companies do what they're supposed to!

I had this issue when my bike was stolen. I spoke to my insurer about it but the bike was then found so I didn't actually make a claim. It was recorded as a zero value claim and has not affected my renewal price. In your situation though as you aren't covered for that, how can it be a claim? Complain.

Speak to your new insurer in person and explain the situation as a claim will definitely increase the premium. I suppose technically it was a claim that was refused. Even when you have a car accident that was entirely not your fault, it puts up your premiums even if the insurer never paid a penny. So unfair.

It counts as a claim, but it will show on the insurance database (the claims and underwriting exchange) that no payments has been made, so a zero value claim. All incidents leading to damage would be recorded for fraud prevention measures. This stops someone from taking out a new policy and trying to claim for the damage elsewhere.