Help cancelling a deceased persons home insurance

The_Pedant

they ring at least twice a week and my husband tells them to get lost.

Next time they do, inform then that they are chasing you for a debt which does not belong to you. Request that any future correspondence be in writing to the estate; and that if they continue to call you will also report them for a possible breach of the Protection From Harassment Act 1997. I'd probably also mention to them that such behavior may also be in breach of the Office of Fair Trading's guidelines on pursuit of debt (it's a bit of a stretch, ... but may start to make them question their actions).

Techhead_2

It may be me, but I don't see this detail in the thread. Who is the executor of the estate? Has the broker been sent a copy of the death certificate?

What I'm trying to get at is, are his affairs being wound up correctly or have the insurance broker just received a bank statement and letter (as in the post above)?

texranger

sunnyone wrote: »

We have no details of the insurance company,

these details will be on any insurance certificates, which if you have wound up his estate you must have a copy of at least 1 insurance certificate.

sunnyone

Techhead wrote: »

It may be me, but I don't see this detail in the thread. Who is the executor of the estate? Has the broker been sent a copy of the death certificate?

What I'm trying to get at is, are his affairs being wound up correctly or have the insurance broker just received a bank statement and letter (as in the post above)?

He made a will out and named two solicistors as executors but since he never worked in his life and left nothing they are refusing to do anything as they wont get paid so there are no executors, I have sent them a copy of the death cert and two letters explaining the situation but I will only give them an email address as they have threatened both me and my nephew with debt collectors even though it has nothing to do with us as he left nothing at all apart from a manky house and a few appliances which were sold towards the funeral bill.

Everyone else has been great, the death cart, the statment of his bank and in one instance the proof he lived in a council house has surficed to close his accounts and cancel any money owed but not these jokers.

When he found out he was terminal (alcholic and he continued drinking even after that :mad:) he just gave up texranger and he destroyed loads of paperwork, we had to try a piece things together using what was left and I found the brokers because he was paying them by DD every month and then I found one letter from them which was just a statement.

texranger

speak to the ABI then ASAP

hcb42

have you written to the insurer? Or even the broker?

To be honest, you are not liable, and you have nothing to fear by giving your contact details - this is normal, I had to do that with my parents deaths. BY not doing it, I wonder do they think there is more to this than there is.

Write, give your own address and contact details, explain there was no estate as house was rented and no savings, encl copy of death certificate etc, and it should go away as a problem.

Techhead_2

I didn't think it was possible to not have an executor, surely one would be appointed? It wouldn't be left to a relative to sell things off ad-hoc? Can anyone advise?

ThumbRemote

hcb42 wrote: »

To be honest, you are not liable, and you have nothing to fear by giving your contact details

Write, give your own address and contact details, explain there was no estate as house was rented and no savings, encl copy of death certificate etc, and it should go away as a problem.

Personally, giving my own contact details is the last thing I'd do. If they are chasing after a deceased person for money, who knows what they will do when they have your address. All it takes is for them to 'update their systems' with yours as the contact address, and a few months down the line the debt collectors are after you. Do you want to take that risk, when you have no reason to do so? Far better to avoid any sort of problem happening in the first place.

texranger

as stated earlier to only people that can help will be the Association of British Insurers http://www.abi.org.uk/ as the broker would have to follow their guidelines.