Renting - buildings insurance

madmaxessex

have a laugh, at my expense.
We're poor so have been renting privately now the same place for 16 years. Our child was extremely ill at the start of the lease and myself and the wife were distracted by this to a very, very large extent. Touch wood, all is good now.
So today I open the post and it is our tesco home insurance renewal, ....buildings and contents at around £550...but I now see we dont have to have buildings insurance as we rent (all these lovely "landlords insurance" adverts on tv made me go have a look what is going on)

So, I'll phone tescos and see whats up later today.
In the meantime, theres
£X x 16 years worth of premiums I have paid unnecessarily. Any chance they'd be nice to me?
There's a box on the form that says "do you own your home" and by goodness, we ticked it. So I suppose not only have we been paying it, but it wouldve been invalid should anything have happened.

Quentin

All you can do is hope for a goodwill gesture.


Now do shop around for the best deal for you on contents insurance.

InsideInsurance

Obviously its your mistake not theirs and so it is going to be goodwill only.

The other issue will be that your contents insurance will be based on your stated relationship with the property which presumably has been stated as either you own it or its leasehold which isnt correct, you are just a tenant. This could therefore have an impact on the contents section that you should have been paying for.