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Contents insurance

I have been sold 2 policies for the same property with the same company and been paying by direct debit for several years. Would this be considered as mis selling as only 1 policy would be valid? They are both expensive when compared to other products.

Comments

  • societys_child
    societys_child Posts: 7,110 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 28 May 2015 at 9:36AM
    Why did you buy two policies?

    Phone and ask them to refund the premiums of one policy.
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Why did you buy two insurance policies?
  • dunstonh
    dunstonh Posts: 120,211 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Would this be considered as mis selling as only 1 policy would be valid?

    Not if you didnt tell them you already had one.
    They are both expensive when compared to other products.

    irrelevant.

    You need to contact the company and tell them you appear to have two policies doing the same thing. Give them the numbers and they will deal with it. Typically by voiding the later one.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • C1borg
    C1borg Posts: 2 Newbie
    To be honest I can't remember probably due to a house move. But I guess it would do no harm to ask for a refund of one of the policies as it was probably unusable in the event of a claim.
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