House re-insurance. Regardless of the size of the claim do the insurers have a legal duty to renew the policy?

The insurance company is not required to renew your policy.

As long as you had insurance on the day of the fire, that claim is covered. Your claim is handled the same if you renew your policies for the next 50 years or if you cancel the day after the fire. All the insurance company cares about there is that you had coverage on the date/time of the fire.

Your mother may have had only 2 small claims in 50 years....until she had a very bad house fire followed by 2 burglary claims. At this point, the insurance company has paid out more on claims then they collected in 50 years of premium. They are cutting their losses and going to let someone else assume the risk of insuring this property.

All you can do is keep talking to insurance companies until you find one willing to insure you. However, with a bad house fire and 2 burglary claims, it's going to be expensive. You will probably pay a good bit more for insurance post fire than you did before.

If in UK. Insurers have no obligation to offer renewal but bearing in mind your mothers history with the firm they seem to have treated her unfairly and this is where you could appeal.

They should have put this in writing though as a consumer and given a minimum of 21 days notice.

As they have not done this and breached FSA (Financial Services Authority) rules you could have grounds to appeal.

You need to formally complain to the broker/insurer and use the terms:

"Treating Customers Fairly" and the Financial Services Authority rules offering all consumers 21 days notice.

Consumer is the correct term for a client with home insurance so use the term.

You should address your letter to the Complaints Manager as this should be an independent person.

You also need to advise them they need to extend your cover with notice as they have virtually left you uninsurable.

Finally if they still refuse to budge and they really shouldn't as they have not treated your mother fairly then Bureau Insurance are known to take people with an "adverse" history and may help you.

Hope this helps

Unfortunately insurance companies are under no obligation to re-insure, and if there has been a large claim, or several small ones, they tend to think your a high risk.

The only thing you can do is to shop around, and explain your plight - if you try to hide the truth you could find yourself paying for insurance but not being able to make a claim because of "non-disclosure".

Best of luck.

Your motor vehicle coverage company can without delay renew your coverage and debit your account for charge. you maximum in all probability agreed to this at a at the same time as so that you may't insist that they refund the money right away. you'll likely in straightforward words get a partial refund because you probably did not cancel previous to the recent coverage taking outcome.

There is often insurance through the state for high-risk policies. Your mother should have received information on how to apply for that when she was non-renewed.