Home Insurance Unexplained Premiun Increase

[Blade]

Doing some quotes for Home Insurance.

Using the same insurer if I select my property was built between 1980-1995 I'm getting a quote £73 more expensive than if I select the property was built 1996 onwards.

I know the property was built in the 90's but don't know the exact year and it makes a big difference to my premium which TBH I have no idea why it would increase by so much its not like I have said its a listed building or similar.

Can anyone advise where I could get the exact build date from (I don't have the deeds they are with the mortgage lender)

Suggest a reason for such a considerable premium increase if it was built in the first part of the 90's ????

[Blade]

Forgot to mention the house is of standard construction, brick walled with a tiled roof.

[Kwacky]

In the early 90s all builders were smashed out of their minds at the weekend raves.

In all seriousness I don't know. The materials used?

[Blade]

Yeah they probably were all at raves, haha.

Materials of construction are not changed just the year of build and nothing else.

It lists here size of property and materials of construction will effect premium but not year of building, especially if only changing by less than 10 years.

http://www.johnlewis-insurance.com/home ... miums.html" onclick="window.open(this.href);return false;

[Monty]

Did any building regs change?

I should know this really!

[Kwacky]

The Party Wall Act 1996 is all I can find at present. http://www.legislation.gov.uk/ukpga/1996/40/contents" onclick="window.open(this.href);return false;

I wonder if the increase in premium reflects the possiblility of expensive ownership disputes?

[Blade]

The Party Wall Act 1996 is all I can find at present. http://www.legislation.gov.uk/ukpga/1996/40/contents" onclick="window.open(this.href);return false;

I wonder if the increase in premium reflects the possiblility of expensive ownership disputes?

Thanks for looking into this Kwacky, very much appreciated.

I assuming the Party Wall act 1996 is to do with shared adjoining walls between semi-detached and terraced property if it is I don't see how it would effect my premium as my property is detached and I have listed it as such in the on-line quotation tool.

[Blade]

My previous insurer listed the property being built 1990-1999 so they had no specific premium change related to property built before 1996.

I m at a real loss as to why this increase is A, needed and B, so much more.

I don't know the exact build date just that it was in the 90's. Obviously I don't want to lie and give an insurance company reason to wiggle out of a claim if I needed to make one.

[C00kiemonster]

Won't the land registry have the build date? I know you can login to their website, but I'm out ATM.

[Kwacky]

Blade, the legislation goes beyond shared walls. I'll have a proper look later on but I am a bit bemused by the massive change in price.

[D41]

Why not go to the mortgage lender??

Sorry if that sounds stupid, but won't they just tell you??

I would....I'm nice.

[Mac]

Could it be that they would charge more of older properties as there is increased likelihood that some things (plumbing, roofs, septic, etc) might begin to fail?

[duke63]

Go to rightmove.co.uk and you can trace the sales prices and dates of your house and it should include the first date it was sold as a new build.

http://www.rightmove.co.uk/house-prices.html" onclick="window.open(this.href);return false;

[Blade]

Go to rightmove.co.uk and you can trace the sales prices and dates of your house and it should include the first date it was sold as a new build.

http://www.rightmove.co.uk/house-prices.html" onclick="window.open(this.href);return false;

Cheers Duke Unfortunately it only lists the one sale in 2004 which is when we bought it.

For info the previous owners built the house themselves as a self built in an orchard that was part of their original property so effectively the records at rightmove are correct as it has only ever been sold once and that was to us.

[Deegee]

The Local Council should have a record of the original planning permissions and visits etc by the Building Inspector during certain stages of build, it's certainly worth a phone call I'd have thought if you're struggling.

[Kwacky]

or call the insurance company and ask them to explain it?

[rocket]

The Big Bad Wolf can blow down any house before 1996 ..... after that they got wise to his game and changed the construction of the houses so that the 3 little pigs would be ok. You can check your own house and see if it is a:) made of hay or b:) made of sticks

[Blade]

Just checked its made of empty beer bottles, and old porn mags not sure how this could ever of happened