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Premiums

I have never made a claim. Why is my premium not lower?

Claims history is one factor in setting your premium, but insurers also take into account construction type, flood risk, geographic location, fire safety status, and other underwriting considerations. A clean claims history is therefore only part of the picture.

Related FAQs Does an EWS1 rating automatically reduce my insurance premium? My building has unsafe cladding but is safe to occupy with a waking watch or upgraded alarm. Why has my premium still increased? Can I challenge the premium for my building? How is my insurance excess determined? How is the insurance premium apportioned between leaseholders in my block?
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