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Gallagher insurance with previous claims benefits

Having previous claims history can sometimes make it more challenging to get insurance cover. At Gallagher, we use a specialist panel of insurers to help you find the cover you need. Each policy is developed on a case-by-case basis, regardless of your situation.

Why trust us with your house insurance?

  • Cover is provided from a panel of some of the leading insurers
  • Legal & domestic helpline services for all customers
  • 24/7 claims helpline
  • UK-based call centres
  • Flexible payment options*

Why does claim history impact home insurance?

As with any type of insurance, insurance providers may consider you or your property, a higher risk if you’ve submitted a claim before. For instance, if you’ve claimed for theft on your home insurance, your property may be viewed as being at a higher risk of further claims of the same nature. This could have an impact on your premiums and the terms being applied to your cover.

In some cases, where someone has made several claims in a short space of time, or repeated high-cost claims, like burglaries, insurance providers may refuse to even offer cover, This is known as an ‘adverse claims history’, and it can raise suspicions for insurers, particularly around fraudulent activities.

Frequently asked questions

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

*We work with a third party company called Premium Credit Limited (‘PCL’), which manages instalment payments. We act as a credit broker and we are not a lender. If you have opted to pay by monthly direct debit, we will pass your details to PCL and they will make a credit decision about you, which may include a credit check being carried out. Please let us know immediately if you do not consent to us sharing your details with PCL. If PCL agrees to provide you with credit you will receive a welcome pack including a credit agreement from PCL, which you will need to sign and return to PCL. Please note that PCL has its own set of terms, conditions and charges and you should familiarise yourself with these carefully. We may receive a commission for introducing you to PCL. Paying by monthly direct debit via PCL will cost more than paying by one off payment.