What happens if I'm underinsured and I need to make a claim?

If you’re underinsured when making a claim, the insurer will determine the percentage by which you are underinsured and then has the right to only pay that percentage of your claim. For example, if your home should be insured for £100,000 but it is only insured for £50,000, it is deemed to be 50% underinsured. If you have a £20,000 claim the insurer could choose to only pay £10,000 as a result of the underinsurance.

If your insurer has stated you are underinsured, please contact us on 01733 308235 so we can correct the cover and discuss the matter further with your insurer.


Keywords: home insurance, possessions, belongings, personal, claims, cover, exclusion, invalid