Just wondered if anybody has any idea whether I need to declare Mums dementia when getting a quote for her house and contents insurance. She is still living independently at home and is getting by OK at the moment. I visit regularly to do her cleaning and check everything is OK but for example doesn't understand that radiators have to cool down when the heating goes off.
House Insurance
- Thread starter Brussels56
- Start date
Some policies have a question about smokers living in the house, I've never seen one that asked about dementia, so maybe it is not relevant.
If she walked out of the house leaving it unlocked and there was a theft there would not be any cover, occidentally setting fire to the house could be a bigger problem.
You could ask a few providers for clarification.
If she walked out of the house leaving it unlocked and there was a theft there would not be any cover, occidentally setting fire to the house could be a bigger problem.
You could ask a few providers for clarification.
If your mum is unable to deal with the policy cover herself and you are going to be her authorised person for the polucy I would suggest letting the insurance company know the situation. By advising them....if your mum for example called to say she wanted to cancel the policy or make a change that wasn't in her best interests then the company will be aware that she is vulnerable (if she is) or that she needs support or help with dealing. The insurance company I work for are very dementia friendly.
Hi Brussels, welcome to TP
I never had an issue with my wife's AZ but I made sure I declared it to the insurance company and it was documented. She lived with me so it didn't affect the cost, however, most insurance companies have clauses like needing to "take reasonable steps to protect the property" and may kick in if she did leave the house unlocked and went out, I had this happen to a friend when one of his children did just that.
Personally I'd go and see and insurance broker, they still exist on most High Streets and see what they advise, that way if you did get a claim disallowed by the insurance company you might have some come back on the brokers.
K
I never had an issue with my wife's AZ but I made sure I declared it to the insurance company and it was documented. She lived with me so it didn't affect the cost, however, most insurance companies have clauses like needing to "take reasonable steps to protect the property" and may kick in if she did leave the house unlocked and went out, I had this happen to a friend when one of his children did just that.
Personally I'd go and see and insurance broker, they still exist on most High Streets and see what they advise, that way if you did get a claim disallowed by the insurance company you might have some come back on the brokers.
K
Thank you. Will get in touch and find out what their policy is although her policy has now renewed I'll also have a good look at the fine print.
At the moment she is more likely to lock herself out and she doesn't do any cooking anymore so I don't think that will be a problem but she does insist on leaving the plug in the sink so could be a problem
Thanks what a good idea. I will try and find an Insurance Broker I didn't think they still existed
We had terrible problems with house insurance. MIL had not renewed it so we had to. During the 'gap' the roof leaked and a ceiling fell in. The whole thing got ridiculous and one quote was for £3000, not including storm damage and many other things. We eventually got a reasonable one, via the company we used for our own house.
In general just make sure about all exclusions.
In general just make sure about all exclusions.
