Sue Posted May 17 Share Posted May 17 I had subsidence in my front bay about five years back, which was treated with resin injection. My insurance premium predictably rocketed. My current insurer, Zurich, has withdrawn from offering home insurance via brokers (so now doesn't offer it at all) and the only quote my present broker can find for me is over £1500 a year 😮 with Midas Underwriting. And that also has a considerably higher excess. I know from previous experience of phoning around that as soon as subsidence is mentioned, nobody wants to know. Can anybody who has been in a similar situation recommend a broker or insurance company who could help? I have a week to find an alternative suitable insurer, or else I will have to grit my teeth and pay up. Admin, I have put this here as I know subsidence is common in this area, but if it should be in another part of the forum, please move it! Link to comment Share on other sites More sharing options...
Renata Hamvas Posted May 17 Share Posted May 17 I used this company as we had issues to find reasonably priced insurance following a flood. Deeside Insurance Telephone: 01244 831434 Link to comment Share on other sites More sharing options...
Angelina Posted May 17 Share Posted May 17 Google insurance with subsidence and a number of options come up Link to comment Share on other sites More sharing options...
alice Posted May 17 Share Posted May 17 Finchinsurance - These brokers found a policy almost half the price of the previous one - worth a try. Link to comment Share on other sites More sharing options...
Sue Posted May 17 Author Share Posted May 17 Thanks all! Link to comment Share on other sites More sharing options...
Bumpkin Posted May 17 Share Posted May 17 NFU (yes, national farmers union!) were the only insurer I could find who would cover us for subsidence for our house (Victorian conversion). Link to comment Share on other sites More sharing options...
Lynne Posted May 18 Share Posted May 18 Aviva. They wanted a survey first but then they cut our bill by two thirds 1 Private Message Link to comment Share on other sites More sharing options...
Bettyrach Posted May 18 Share Posted May 18 (edited) Potential brokers to talk to - Howden (previously A Plan, I think) or Gallagher UK. I've used both. Really liked Howden and have since used for travel insurance. They also have branches (think there is one in Bromley) if you find it easier Edited May 18 by Bettyrach Link to comment Share on other sites More sharing options...
the_hermit Posted May 18 Share Posted May 18 I used to live in a house with subsidence and found Aviva v helpful when I rang them. They asked lots of questions but I was able to get a competitive quote. Non sequitur but David Howden (of Howdens!) has a v nice bar in the City called Dave's which serves the produce of his country estate! Link to comment Share on other sites More sharing options...
Sue Posted May 19 Author Share Posted May 19 Thanks again all. I only have less than a week to find alternative cover, so I doubt there would be time to arrange a survey 😢 Link to comment Share on other sites More sharing options...
George Orwell Posted May 19 Share Posted May 19 I used Adrian Flux Brokers - I got a decent quote (Watford Insurance Co.) and they didn't want a survey - just a declaration of no cracks etc. Link to comment Share on other sites More sharing options...
the_hermit Posted May 19 Share Posted May 19 When was that George? I came across Watford once via a broker (car or maybe my cat I think) but didn't know they did home. Link to comment Share on other sites More sharing options...
George Orwell Posted May 19 Share Posted May 19 We’ve had our home insured with them for maybe 5 years now - always through a broker. Initially via Wesleyan (Finance ?) Insurance Brokers and currently via Adrian Flux. Renewal time is approaching so I’ll be giving all the brokers listed in this thread a chance. Link to comment Share on other sites More sharing options...
Sue Posted May 23 Author Share Posted May 23 (edited) I got a relatively good deal (well, compared to the quote from my current broker!) through Orwell Insurance, who also didn't require a survey. £655 pa including subsidence cover. The excess is quite high but there's a ten year guarantee on the work on my front bay, so fingers crossed I won't have to claim. There has been other ground movement decades ago which sadly they also took into account in setting the excess. I used an online site called QuoteZone which was very quick and easy and can exclude any companies which won't cover you if you've had previous subsidence. Good luck to everyone who is in a similar situation! Each company seems to ask different questions and want different things, so definitely try a few places. I didn't want to spend days phoning round, so given I had already saved £845 I stopped there, though it's possible I could have got it cheaper. Edited May 23 by Sue Link to comment Share on other sites More sharing options...
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