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Homeserve premiums refund
poindexter
Posts: 45 Forumite
Hello,
I found out recently that my Dad had been paying for emergency cover through Homeserve on a property he had sold in 2006 when he moved into sheltered accommodation.
I hadn't noticed because it was an annual payment on one of those direct debits that auto renew (the renewal notices were going to his old address).
I've got to say Homeserve have been helpful and agreed a refund. However they say, 'As a company, we can only refund a maximum of 6 years'.
I'm happy that my Dad will be getting some money he didn't expect, but would like to know if this 'maximum of 6 years' is correct. Can anyone advise please?
Steve
I found out recently that my Dad had been paying for emergency cover through Homeserve on a property he had sold in 2006 when he moved into sheltered accommodation.
I hadn't noticed because it was an annual payment on one of those direct debits that auto renew (the renewal notices were going to his old address).
I've got to say Homeserve have been helpful and agreed a refund. However they say, 'As a company, we can only refund a maximum of 6 years'.
I'm happy that my Dad will be getting some money he didn't expect, but would like to know if this 'maximum of 6 years' is correct. Can anyone advise please?
Steve
0
Comments
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It's a goodwill gesture as nobody told them the policy was no longer needed, it's not their fault so I'd accept the 6 years and be happy with it
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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They might not have details of the previous years policies further than 6 years due to the retention period - just a thought.0
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Perhaps their records don't go back past 6 years?
As above, they've not done anything wrong. Take it and be thankful!0 -
I can't think of an insurance rule that would limit this to 6 years. They may be relying on 6 year limitation rule.poindexter wrote: »I've got to say Homeserve have been helpful and agreed a refund. However they say, 'As a company, we can only refund a maximum of 6 years'.
I would take the refund on offer (but don't formally accept it) so they have agreed in principle that a refund is in order, then push for more.0 -
Thanks for your replies everyone.
I'm happy for my Dad to take what they are offering, it was just that the 6 year thing seemed a bit random.
As for their records maybe only going back 6 years, I sent Homeserve my Dad's bank statements from 2006 with the payments highlighted.
But yes, it was our fault (in defence my Dad is 94 and those direct debits that auto-renew, particularly annual ones, are easy to miss) and I do appreciate Homeserve's offer and of course we will accept it.
Thanks again.
Steve0
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