First time I`ve come across this myself but I`m due to renew my home building and contents insurance.
On filling in my details on Confused.com there is the question asking whether anyone in the house has ever been bankrupt, had a ccj or been in an IVA.
I intend to pay the premium in full and not monthly, but I assume I still have to declare my IVA?
I guess this will also mean a higher price for my premium.
Once anyone in this situation declares that they`ve ever had an IVA, etc... it will always be on the insurance database for ever, even when the person`s insolvency is long gone.
Surely that`s not fair.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
If you are asked if you have ever been in an IVA then you have to answer yes - if not then you could find the insurance null and void if you need to claim.
I agree it's not fair.
Try contacting companies individually rather than a comparison site. It might be different.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I noticed that last year and when I went further the only option was bankruptcy! I do not understand why it only asks for your house insurance and not car? I didn't bother and found insurance direct pretty cheap. I don't think money supermarket asked but could be wrong
If it is bankruptcy then you can truthfully answer no.
We have stuck with the same company throughout the IVA, before and after. Mainly because we have no excess on the contents insurance!!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
thing was the first bit said iva or bankruptcy so I ticked the box and the net bit asked for bankruptcy details??? the two things are not the same! I just stuck with the co-op it does irritate me though they are insinuating dishonesty .Out of order
