1 in 5 home insurance claims rejected

More than 1 in 5 home insurance claims is unsuccessful owing, in part, to the complexities of policies. Confusion about what is covered by insurance policies is one of the reasons that policy holders fail to receive a payout.

Wear and tear, aswel as damage caused by a lack of maintenance in homes are also key reasons for claims being rejected, in contrast, 99% of motor insurance claims result in a payout. Analysis showed that 79% of home insurance policy holders who made a claim were successful, receiving a typical payout of £2,520.

Of those whose claims were turned down, some made claims that were valued below the policy excess and others had bought the wrong kind of cover. Many home insurance policies have add-one that cover certain eventualities, but add extra complexity to renewals. Many were denied due to a failure to maintain their property.

The ABI suggest people take time to read the terms and conditions when buying or renewing home insurance to check exactly what is covered.

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Our sister site convictedcarinsurance.co.uk helps find convicted driver insurance for offences such as drink driving, uninsured driving and reckless/dangerous driving.