• On the flip side to all of this... Hiscox Insurance, with whom I have my contents insurance, covers the bike.

    They are fantastic.

    One phone call, and they have recorded all details, will call again tomorrow with a follow-up, and basically think that were I to make a claim that this would be no problem at all.

    My only hesitance: I aim to buy a home within the next 12-24 months and dread answering yes to a "Have you made a claim on your insurance in the last 5 years".

  • "Have you made a claim on your insurance in the last 5 years".

    I don't recall that ever being asked for the mortgage application - Other than when insuring said house.

    Insurance claims are separate from your credit record - I've certainly never seen references on my credit record, and I've never given my bank permission to see my insurance record.

  • Same as @TW, I was never asked about any insurance by lenders or my advisor. The mortgage provider was only insistant that I got suitable building insurance on the property,nothing at all about contents insurance or any previous claims.

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