Cancelling currys insurance when someone has died

Hazeldawson68

My daughter died in January and I am trying to settle her affairs, the person living at her address (was her boyfriend) has changed the bank details on her insurance policies but has to keep it in her name and address, I have spoken to currys stating I want the policies cancelled and how can he change them as my daughter passed away in January. They have said that that is ok as long as he had the details, this can’t be right and they are happy fir him to continue using her name. How. Am I stop this, surely it’s fraud. 

Ectophile

If they are happy, and he is paying the bills from his bank account, then there's no fraud.

the_lunatic_is_in_my_head

Very sorry to hear of your loss OP.

If this is actual insurance then it should be regulated by the FCA and Currys should have a complaints procedure to follow.

I may be wrong but can't see that Currys can legally be allowed to retain an insurance policy in the name of someone who has passed. If he has been able to take over the policy now in his own name that's probably OK. 

It's probably best to ask Currys for details of their complaints procedure and go from there. 

Based on my limited understanding, if they don't resolve within 3 business days they must acknowledge the complaint and then seek to resolve within 8 weeks or explain why they need more time, after their final response you may then raise the matter to the Financial Ombudsman Service if still unresolved.

Manxman_in_exile

Apologies for asking, but did your daughter leave a will, and what is this "insurance" for?

[Edit:  I think a lot depends on what you mean when you refer to "insurance":  life insurance, house insurance, motor insurance, electrical product insurance or what?  If it's proper insurance, you might be better posting on either the insurance board or the board dealing with wills and intestacy]

If you are the executor appointed under her will (or if you are the Administrator of her estate if she died intestate) I would have thought that Currys should be acting under your instructions (subject to the T&Cs of the "insurance") and not those of the boyfriend. 

I can perhaps understand that the "insurance" - whatever it is for - could be transferred over to the boyfriend, but if it was solely in your daughter's name to begin with, I don't see how he and Currys could transfer it to him without your involvement or agreement as executor or administrator.  And I can't believe the "insurance" would remain valid if it remained in your daughter's name, or that Currys would have advised that that was ok.

I don't think he's committing fraud or any other criminal offence - but I may be wrong.  From his point of view I can't see how he could benefit on his own from "insurance" in the name of somebody else.

pmduk

IIRC Currys don't sell insurance in order to avoid and therefore don't come under the jurisdiction of the FCA. They sell lots of warranty-style 'products' and services which don't have the regulatory overview of an insurance product. As such, I suspect they can make up their own rules.