Massive Increase in Home Insurance

Mannion

No that's simply nonsense. Whether or not I was morally obliged to pay extortionate 1000% plus premiums is a matter of opinion, yours and mine. This site is about helping people with their claims not imposing your subjective morality upon them. The useless advice I got from around 40% of responders actually inhibited the effectiveness of this site. The time that was wasted was caused by the puerile opinionated responses I received from a minority and not by me.

I had a valid claim (undoubtedly) and I needed help. Very simple advice was all that was required and then the process of retrieving the lost funds was actually trivial.

To go online pretending to act in a role of helping an individual and then actually go on to block their valid claim to retrieve their rightful money (as adjudged by powers better than you or me) is pretty low and not worthy of the principles of his site. Stop giving me advice your advice has been proven to be useless and your logic highly questionable.

takman

Mannion wrote: »

To go online pretending to act in a role of helping an individual and then actually go on to block their valid claim to retrieve their rightful money (as adjudged by powers better than you or me) is pretty low and not worthy of the principles of his site. Stop giving me advice your advice has been proven to be useless and your logic highly questionable.

My "advice" in post #11 and #18 of this thread is to make sure you note your renewal date each year and use online comparison sites to get the best price. You need to take responsibility for your finances and actively look for the best price each year.

But if my "advice" is useless and my logic highly questionable then I assume that you will not be doing this and just continue to auto renew?.

You are free to ignore everything I have said but the only person to loose out is you !

Mannion

Just a slight observation. I think I actually admitted that point very early on. It is also useless advice when given retrospectively in a case of this nature without the availability of a time machine which to be fair I neglected to mention the absence of.
Its basically just you saying "Ohhhhh you shouldn't have done that" and effectively gloating. At the time I couldn't possibly do it. We can play who has had the busiest period in their life later if you wish but whoever you are it is possible to be in a place when trivial things like renewing insurance contracts go out of the window. If you don't know that you've just never been busy enough.
The problem is there was a lot of useful advice to give and it was very simple to
implement and you harping on about obvious general practices and how much better you are didn't help one iota. It got in the way and significantly held up making real progress.

csgohan4

even if you got a refund, it is likely a gesture of good will than them being legally bound to do so. I don't see anywhere on MSE guide on home insurance claiming back costs because you 'forgot' to check your renewal date and haggle.


If you did the above you wouldn't have needed to post and one less thing to worry about. But you failed to and you probably spent more time getting them to refund you than a simple price comparison search and stressing too.


if you don't make time for your bank account, it won't make time for you.. simples. Your an adult, don't make excuses, take responsibility. We all had that parking ticket or paid for something that could have waited and got discounted a week later. You live and learn.

Blibble

Without re-hashing previous posts regarding accepting a contract / price by agreeing to auto-renewal, I for one would like to see the proof as offered by OP.

I would also like to hear the process OP has gone to in order to obtain a refund (e.g., did FOS deem the price unconscionable, was it a gesture of goodwill from the insurer)?

I would finally like to hear if OP still has auto-renewal on their policy. There is merit in re-iterating takman's post; the time / effort you have expended on this affair could have been avoided if you had set aside some time to phone / write to your insurer to stop auto-renewal of your policy. Unless you have now stopped auto-renewal, you may find yourself in a similar situation again. I do not believe for one minute you didn't have a quarter hour to organise this first time, and don't for one minute believe you don't have the time now, as you've clearly made significant time for the last year and a half to try and rectify the issue.

takman

Mannion wrote: »

Just a slight observation. I think I actually admitted that point very early on. It is also useless advice when given retrospectively in a case of this nature without the availability of a time machine which to be fair I neglected to mention the absence of.
Its basically just you saying "Ohhhhh you shouldn't have done that" and effectively gloating. At the time I couldn't possibly do it. We can play who has had the busiest period in their life later if you wish but whoever you are it is possible to be in a place when trivial things like renewing insurance contracts go out of the window. If you don't know that you've just never been busy enough.
The problem is there was a lot of useful advice to give and it was very simple to
implement and you harping on about obvious general practices and how much better you are didn't help one iota. It got in the way and significantly held up making real progress.

It's not useless advice because you seem to think that simply letting your insurance auto-renew was a good course of action. So i thought it would be useful to explain how to avoid this situation in the future. This is the most useful "advice" you can get because there was no definitive way to get a refund of previous premiums. It's also useful for other people reading this thread to help them avoid getting in a similar situation.

So if you want to help other people then like other posters have said you need to explain the exact series of events that lead to you getting a refund and under what conditions that refund was given.

The bit about you being too busy to compare insurance is a load of rubbish. You explain very clearly why you didn't do it in this sentence:

Mannion wrote: »

it is possible to be in a place when trivial things like renewing insurance contracts go out of the window

So being too busy was just an excuse and you just didn't want to do it due to your mindset at the time.

Nobody is too busy to spend 10 minutes a year on a comparison site when their renewal is due. Just think how much time you spend watching TV, reading a book and other leisure time that you could have spent doing your finances instead.