Charged for cancelling a policy I don’t believe I authorised

General_Grant

Sandtree said:

It certainly sounds like they acted in good faith, you did everything required to form a contract and only a system error caused it to technically be unable to complete on that day (the commitment to pay is sufficient for a contract).

You state the policy was to start the following day and so when you didnt answer their call and did not return it they followed your original instructions and put the policy in place so you were not at risk of something happening and you being uninsured. The fact you never bothered calling them back nor even looked at their letters just adds fuel to the issue.

Presumably the bit of the story you are not telling us is in that time you have gone off and bought another policy from someone else? 

Ultimately you are in your right to complain and evidence that this will result in dual insurance for the period but really their complaint about you is much more founded. Certainly the honourable thing to do is work out if its cheaper to cancel the second policy or this one and then pay whichever is cheaper

There is nothing to work out - the first policy was cancelled after a month,

p00hsticks

Hasbeen said:

And also most people open letters the day they are delivered not 4 weeks later?  

mattyprice4004 said:

You didn’t open the letters for a month?!
Sounds like the blame lies closer to home; this wasn’t their fault. If you’d bothered to open your post you could have mitigated the amount. 

I think there's a possibility that you may being a bit unfair to the OP - the inability to open their post may not just be apathy.

I'm currently responsible for three separate properties - my permanent residence, a holiday home and a house belonging to a recently deceased relative (not local) where the bills are now in my name. l'd normally be able to travel freely between the three every fortnight or so to check post etc , but the combination of lockdowns and tier 4 restrictions (all three  are in different regions) mean it's not been possible to move from one to the other for several months, so there may well be post from before christmas waiting for me in at least one of those, that I simply can't get to without breaking Covid laws/guidance.