Home insurance and claim made with further history being asked for beyond initial 3 years originally asked for

[sunrider]

I would like some advice on my insurers way to settle the claim.

 

I have taken insurance with Towergate wilsons (AXA) and I placed a claim which they have accepted. I signed up for a 3 year disclosure on the applications form for insurance with them and this was accepted. I am claiming for accidental damage and haven't had insurance for about 4 years 8 months before taking any new insurance out, purely as I was based in Cyprus and I could trust the small group of people out there. I had a small mishap getting ready to move to a new unit in Germany and made a claim for about £700 I guess.

 

The claim is progressing but they emailed me for the addresses I had been at for the last 5 years. Now they want the insurers for the last 5 years. I supplied them with the addresses which I shouldn't think I should have done now.

 

Considering I signed and had accepted my application for 3 years, why would they now ask for 5 years. Surely it shouldn’t stand and I should dismiss this as a change of terms.

 

What advice do you have for me, why would they be entitled to ask for the 5 year period now and why would it have any relevance. Thank you.

[citizenB]

Can you clarify that the £700 claim is the claim you are making now!!

 

I imagine that all you need do is simply confirm the addresses that you have lived at previously, and reconfirm that you have not had insurance during that time!

[unclebulgaria67]

Just give them the information, as it does not really matter anyway. They have probably looked at the UK databases and cannot see you having Insurance in the UK. Obviously as soon as you explain about being abroad, they will come to realise why. I doubt that they will be able to check for claims outside the UK.