Mis-sold contents cover

dunstonh

pyuicd wrote: »

I will be learning from it and moving on, no need to be rude when i'm asking for advice though.

It wasnt rude. It did point out flaws in your approach though. After all you managed to miss the policy schedule, policy documents, statement of demands and needs issued at the start (usually in different post as well). You also missed the renewal letter.

So, its not just a case of missing one thing. You missed a heck of a lot. This makes allegations of not knowing very weak.

rs65

pyuicd wrote: »

Surely them starting over two weeks apart is an absurdity that implies that I did not agree to this insurance at the same time i took out the buildings insurance, otherwise they would have started at the same time and been a single payment. And it makes no logical sense for me to ask for insurance on buildings and contents to start on different dates. Does that not seem very odd to you?

I'm sorry but I don't think the different dates issue is as important as you think.

It may imply that you did not agree to contents at the same time as buildings but it also implies that you decided two weeks later to take out contents. It is possible that you had a policy in force for an old address and changed it to the new address until it expired.

It may imply that you weren't moving contents in to the house for a couple of weeks.

In fact having a separate renewal date (and direct debit on a different date) suggests it should have been easier to notice and harder to suggest two years later that this is news to you.

[Deleted User]

pyuicd wrote: »

It would be also interesting to see what the estate agent says about it if i confront her.

I'm not sure "confronting" someone who sold you something in good faith is a good idea.
Put your complaint in writing if you still feel dissatisfied.

ladeeda

roonaldo wrote: »

But this isnt PPI. It's not sold the same way and complaints are not assessed the same way.

I referred to it in the context of people not knowing they had it or that they were paying for it.

dunstonh wrote: »

You are making the allegation. The burden of proof is on you. Not them.

This is a post regulation case. So, there should be a statement of demands given to you as well as the policy documents (for the start and the renewal).

You cant compare to PPI as PPI was open ended. Home insurance issues an invitation to renew each year. Thats a lot of paperwork issued.

If the paperwork exists you have your unprovable verbal allegation vs a documented audit trail. If the paperwork doesnt exist then you have a stronger case.

Get the paper work, there should be lots of it and there is nothing you can do without it.

pyuicd

Moneyineptitude wrote: »

I'm not sure "confronting" someone who sold you something in good faith is a good idea.
Put your complaint in writing if you still feel dissatisfied.

The estate agent knew I didn't want contents insurance, that is not good faith. You are just making up your own narrative again.

Anyway, thanks to everyone for the comments and suggestions, I will take this forward privately now. All the best guys.

meer53

I hope you're never burgled.

I was. I have UPVC doors and windows, they still got in.

My total claim for my house contents was over £9000.

There was an additional claim for my brand new car which they used to take away all my stuff. Repaid in full as the car was never recovered

Thank goodness i had contents insurance.

SnooksNJ

meer53 wrote: »

I hope you're never burgled.

I was. I have UPVC doors and windows, they still got in.

My total claim for my house contents was over £9000.

There was an additional claim for my brand new car which they used to take away all my stuff. Repaid in full as the car was never recovered

Thank goodness i had contents insurance.

I know someone who had a pipe burst while they were away and they had to knock down most of the house because the mold was so bad. The building insurance only covered to the the studs. The contents was the plaster, the electrical, plumbing, fixtures, ect. If something did happen I'm sure the OP would be ecstatic to find out they did have contents.