Subsidence v Ground movement

[Sue]

My insurance is just up for renewal.

I had been under the impression that I had had subsidence in the past but my current insurer has looked into my previous claims and has just told me that the two claims were treated as "ground movement" which is not as serious as subsidence.

She says there are four categories of movement: Subsidence/heave/landslip/ground movement.

What I have always thought was subsidence was in one case due to differential movement between my front bay and the rest of the house and in the other due to a problem with drains, which was completly sorted at the time.

I want to get other quotes but I'm now very confused. Obviously I have to declare the claims, but are they or are they not for subsidence?

My current insurer says some underwriters will treat them as subsidence and some won't ??????

Can anybody shed any light?