If my home insurance claim is denied, will my premium rise as a direct result?

I know premiums can rise after a claim is paid out, but what about when claims are denied?

Answer provided by
Alexah Grinnell
Answered on Mar 05, 2021
Yes, even if your insurance company denies your claim, it can impact your premium in the future. Although it may seem unfair, insurance companies set your premium based on your willingness to submit a claim. Anytime you call the claims department, they have to record it as a claim, and even if it’s denied or nothing is paid out, the company will still be able to see the attempted claim and set your premium based upon that.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies