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[ETAF]

its the amount you pay for a claim

So if you claim for £101 for example
you would pay the first £100

if you claim £100,000 then you still pay the first £100

The more you pay, usually the cheaper the insurance.

but also check , often things like locks, may be wrong , and anything that is worng may invalidate a claim , no point in a cheap insurance of the T&C mean you dont get paid when something goes wrong

Things like if you say you have an alarm, then that must be set when the house is empty

 

[dan2002]

its the amount you pay for a claim

So if you claim for £101 for example
you would pay the first £100

if you claim £100,000 then you still pay the first £100

The more you pay, usually the cheaper the insurance.

but also check , often things like locks, may be wrong , and anything that is worng may invalidate a claim , no point in a cheap insurance of the T&C mean you dont get paid when something goes wrong

Things like if you say you have an alarm, then that must be set when the house is empty

Thanks for that.

No I have filled the form accurately.

I put the right type of door handles for my upvc doors.

I also put down that I dont have a burglar alarm.

I also have locks on my window handles

Also someone smokes in my household, I put that down


They need to know everything but at the end of the day it is insurance!

 

[ETAF]

my experience with compare the market - not all the info goes across to the policy
so it maybe the comparison asks loads of questions to cover all possible companies , so some do not apply to a particular company or others dont come across
i used to do some secret shopping on insurance a few years ago - using comparison sites, phone calls etc etc - did about 6 companies each year