Missold dual insurance

FlameCloud

rs65 wrote: »

I didn't know that.

Even if this were true (and it isn't) from experience dealing with them, ex HA leases are invariably quite strict with regards to responsibilities such as kitchens and internal fittings. There could have been a need to some form of separate buildings cover.

kingstreet

TROOD01 wrote: »

He was originally with Zurich because his property was ex-local authority and everyone knows that the freeholder of ex local authorities properties is the Council and the buildings insurance is arranged through them

The Council would only remain the freeholder if it was a leasehold property, a flat for example. A house would normally see the freehold property sold.

In which case, it would remain responsible for insuring the building and the leaseholder would pay for it via service charge.

He would therefore not have needed his own buildings insurance.

However, if he purchased the freehold property from the Council he would have been responsible for insuring the property himself.

Some time in 1989 the Prudential came along and he took out buildings insurance with them

Based on the above, he either;-

- should not have taken out buildings cover as it was not required or;

- should have cancelled his Zurich cover if he was the freeholder paying for his own.

It's impossible for Prudential to know there was cover already in place unless the applicant told them. Only then would it have been in any sense "mis-sold."

To gain a refund for the premiums paid, you would need to able to evidence both lots of cover for the period in question.

burnleymik

Your_Hero wrote: »

which renewed itself every year, since it was probably on direct debit, to protect the policyholder.

yes, of course that is the reason.... :cool:

roonaldo

TROOD01 wrote: »

He was originally with Zurich because his property was ex-local authority and everyone knows that the freeholder of ex local authorities properties is the Council and the buildings insurance is arranged through them

No its not always the case. If he bought a freehold house he will need to arrange buildings insurance himself and he did.