Paying 2 insurance companies for the same cover

Emjones20

I;ve just found out that since 2013 I've been paying 2 premiums for life and critical illness cover (one for me one for my husband) to both Legal & General AND Scottish widows for around £80 to each company.

I spoke with Legal & General and they advised me that their policy is to refund if I can prove i accidentally paid both companies. The problem is that thats the better policy and I can't find Scittish widows policy or small print as to whether they would do the same and refund me.

I'm also wondering if they would refund me for 4 years?!

Any advice really appreciated, thanks :j:)

[Deleted User]

If you ask Scottish Widows, I'm sure they will tell you

dunstonh

I spoke with Legal & General and they advised me that their policy is to refund if I can prove i accidentally paid both companies.

That is very generous of them and not the normal scenario unless it was sold by one of their own reps.

The problem is that thats the better policy and I can't find Scittish widows policy or small print as to whether they would do the same and refund me.

Ask SW for a policy details summary to be posted.

I'm also wondering if they would refund me for 4 years?!

Who knows. The usual thing is to not refund as there is no overlap and you can have as many as you like. I would not have expected L&G to pay anything back. However, that is their choice. I would not expect SW to do it either unless it was one of their reps and there was a wrongdoing. However, you wont know unless you ask them.