Mis-Sold Sky Protect - can I get a refund

melloyell8

I took out Sky TV with Sky Q boxes back in April 2018 and soon after was approached by Sky Protect giving me the hard sell on their policy which I took out in May 2018.

As part of the original Protect policy I could add 2 additional pieces of equipment which were a TV and an iPad (which incidentally were already covered under my home insurance). 
During the life of the policy I've not made any claims against it. 

At the time I was unaware and not made aware by Sky Protect (or Sky) my Sky Q equipment was already covered by Sky as it was on loan from them.
This fact was only brought to my attention last month when I renewed my Sky contract and the advisor went through all the T&Cs with me on the phone.

I contacted Sky Protect immediately to cancel my policy and asked for a refund of premiums paid since May 2018.
I have since received a letter from their Financial & Operational Support Dept. declining my refund request. Their reason being I had additional cover for Sky Q services.
Can anyone explain what that means?
What is my next step? 
Thanks in advance. 

[Deleted User]

It means it provided you with additional cover over what you had.

Next step is to continue as you are, or if you feel you need further protection, to source a suitable product.

melloyell8

Thanks, I gathered that was what they were insinuating. 
But it turns out my Sky Q services subscription already covered my equipment and I wouldn't have needed additional accident or theft cover as that was in my home insurance. 
My point being Sky Protect (who are part of D&G) did not make this clear when selling me the policy. 

JJ_Egan

But not all home insurance gives the same sort of cover .

It also depends upon what cover you asked for on home insurance /

No way Sky would  know every subscribers home insurance details /