Home insurance question

Aeonix

We have had our insurance cancelled because we missed 1 direct debit due to switching banks. We also have an open claim on our laptop, that was made well before the insurance was cancelled. I called Endsleigh to ask if they could reinstate the policy as it was a mistake, but they refused, and have now said the contract was breached and now they want the full amount of the rest of the contract before they are willing to proceed with the claim. Are they allowed to do that? They seem to realize they are obligated to finish the claim as we were not in breach of contract when we made the claim, but surely now we won't be forced to pay for services we won't receive? Thay say the contract is null and void, I would have thought if that was so we'd not owe them since there is no longer a contract.

We've been told our only option is to pay the policy off and to start a new one...so essentially paying twice if we want to be insured.

On top of that I have been getting what sounds like utter crap advice from Endsleigh themselves, with one of their employees saying they would take the amount of the contract and add it to the claim, but I don't see them going through with that. They are even saying they may not pay for diagnostic and labor we've been charged by Apple, after Endsleigh were the ones that told us to take it to Apple to begin with!!

This has become a stupidly complex matter when all we wanted was to have the laptop fixed

dacouch

An Insurance policy is an annual contract, if you have a claim the Insurers look at it that they have performed their side of the contract. So if you cancel you policy in the same period of insurance the Insurers will require you to pay the rest of the monthly instalments or if you paid up front will not give a refund.

You therefore need to pay the balance of the premiums or failing that might deduct the balance from your claim although this is unlikely as the Insurers normally like to arrange a replacement lap top from their suppliers.

If you can get a letter from your bank explaining the missed instalment was not your fault some Insurers will reinstate the policy and ask you to pay the missed instalments to get you back up to date. If your bank willl do this try ringing the Insurers up directly and asking them.

Aeonix

I seriously doubt our bank will do that, the people we have dealt with thus far have been an absolute nightmare, and they are not helpful in the slightest, sort of feeling like an idiot for thinking things would change with a new bank but there ya go.

We will have to stump up the money then, just very annoyed as it wasn't on purpose that we did this, it all came at a very bad time, when my husband was out of town and I wasn't able to get hold of him.

On a different note but along the lines with the insurance, are they allowed to not cover the labor and cost of getting a repair quote? they specifically told us to go through Apple as they said it's a very specialized product and they did not want to deal with the repairs themselves...so surely they can't turn around and refuse to pay the labor/inspection?

Hoping this is the only thing we will ever need to claim, it's really stressing me out, and taking a lot longer than we ever imagined.

agaveworm

dacouch wrote: »

An Insurance policy is an annual contract, /quote]

It's as long as the terms of the contract...nothing more.

Have a thanks in error for your troubles.

dacouch

I'm referring to their Home Insurance which is an annual contract, I was not referring to all Insurance Contracts (Although I should have made that clearer by inserting the word "Home")