Direct Debits for Insurance on oooold Address!

bluesurfer

I hope this is the right section

I recently looked through my DDs and found a couple which I wasn't sure about. One was from Zurich for what I always thought was a life policy, but when I enquired I found that it was a home contents policy for a property I once rented but moved out from 13 years ago, when I bought my own house!!

I am sure I cancelled this policy by phone at the time but of course I have no way of proving this.

Now, Zurich have told me that they will compensate me as far as 10 years back. My bank records only go back 7 years. The letting agency I rented the old property through has not responded to me and I do not think they are trading any longer, so I cannot prove my moving-out date, apart from having records of my current house purchase.

Where do I stand? Zurich have informed me that they need to see dual insurance forms from insurers who have been covering the content at my current house, and I've sent these out but I'm not hopeful that all will reply, especially since Zurich have given me a 30 day limit to get the info back!

I don't understand why this is relevant anyway, since Zurich were covering me for a different address?

I only have documentation for insurers back to 2007 anyway, I have nothing for the previous four years back to 2003.

Where do I stand? Of course I should have spotted this earlier, but I've paid around £3K to Zurich for insurance on a property where I haven't been living since 2000......

I fear I will be seeing very little of this money back and it all becoming a bit of a saga.

Buzby

You stand in a corner! They were supplying the service you asked for, and your bank paid them.

If this was not to your liking, then you cancel. Their offer to backdate is most generous - they do not have to, but if you cannot provide the corroboration the seek, you'll be stuffed.

If you do not check your statements, DD's are not for you.

-taff

bluesurfer wrote: »

Where do I stand? Of course I should have spotted this earlier, but I've paid around £3K to Zurich for insurance on a property where I haven't been living since 2000.......

You are very lucky they offering to refund some of your premiums at all.

Your Direct Debits are your responsibility, not Zurichs, you should have checked.

I would take whatever they offer you gratefully.

dunstonh

Where do I stand? Zurich have informed me that they need to see dual insurance forms from insurers who have been covering the content at my current house, and I've sent these out but I'm not hopeful that all will reply, especially since Zurich have given me a 30 day limit to get the info back!

Zuirch will go back as far as their records exist and where you can prove you were dual insured. 10 years worth seems very fair considering it is your error.

I don't understand why this is relevant anyway, since Zurich were covering me for a different address?

It is relevant as you are asking them to refund premiums as you have had alternative insurance in that period. They need proof of that.

Where do I stand? Of course I should have spotted this earlier, but I've paid around £3K to Zurich for insurance on a property where I haven't been living since 2000......

Zurich are following the correct course of action by treating it as dual insurance. They are willing to refund what you can prove. If you cant prove the rest then that is life.