What can invalidate your home insurance?
How to Avoid Invalidating your Home Insurance
If your home incurs damage or your property is stolen, home insurance can cover you in a time of need. However, in some circumstances, your home and contents insurance policy may not cover your claim depending on certain factors. Below we will break down what situations could invalidate your home insurance.
Which circumstances invalidate home insurance?
There are several instances where your home insurance may be invalid, these include:
- Not locking your doors and windows
- Leaving your property empty or unoccupied
- Undervaluing the contents of your home
- Building work or renovations
Not locking your doors or windows
It’s quite common for most people to step out and accidentally overlook the locking of windows. However, it’s often vital to verify this each time you leave your property. With the majority of insurance providers, merely closing your doors and windows isn’t sufficient while you’re away. Ensuring that all doors and windows are locked is key to not invalidating your insurance policy.
Leaving your property empty or unoccupied
Going away on holiday isn’t going to invalidate your home insurance, most insurance providers take holidays into account. We advise that if you are going to be away from home for 30 days or more, you should let your insurer know.
If your home is going to be unoccupied for periods longer than 30 days, if you are relocating for work or have had to move into respite care following injury or illness for example, then ask us about Unoccupied Property insurance which will provide you with the cover you need while the home is not lived in.
Undervaluing the contents of your home
It is tempting to guess the value of the contents of your home when applying for a home insurance policy, but it could cost you a lot when it invalidates your claim.
The average house in the UK has a contents replacement value of £45,000 so it is best if you can be as accurate as you can. You should calculate the ‘as new’ cost of replacing your contents, not the current estimate based on the age or wear and tear of your items as in the event of a claim your contents will be replaced as new.
Building work or renovations
Many people across the UK are choosing to renovate their homes instead of moving, this includes improvements like extensions or loft conversions. When you carry out work on your home that could introduce new risks or increase the cost of rebuilding, you need to let your insurance provider know before work begins.
Renovations could affect your contents too. If your property has easier access for thieves such as scaffolding around the exterior, this could be cause for your policy provider to invalidate your claim if this hasn’t been declared to them in advance.
Your security measures
Upon obtaining home insurance, you’ll be queried about the property’s architecture and the security arrangements you’ve implemented. The responses you provide will determine your premium. Therefore, it’s crucial to inform your insurer if any changes occur.
Even something like changing your front door could invalidate your insurance. If your door has been replaced, the type of lock you have may have changed as well and may not be up to the same standard as declared on the policy.
Do you need a new home insurance policy?
Get in touch with the CDC Team below for advice and guidance:
E: 01843 861251
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