Cancelled Contents Insurance

amykate62

DullGreyGuy said:

amykate62 said:

DullGreyGuy said:

amykate62 said:
What counts as a joint policyholder as I just asked them to add him as a new person to the policy after it was set up. I only gave them his name and obviously address and told them he is my partner. The premium was still solely paid by me though and he never had to confirm anything on his side?

Who paid, or more accurately, should have paid is broadly irrelevant. Plenty of parents pay for their teenagers insurance but the teenager is still the policyholder.

Policyholder will be as defined in the policy, for most Home it's anyone named on the policy but it can vary. Adding them as joint policyholder doesn't change what cover is bought just who can interact with the insurer and give instruction. 

Okay, thank you, so I just called them and they told me I am the only policyholder and I would be the only person who would need to declare the cancellation as he was added to the policy afterwards.

Unusual but fair enough, as always said, there are industry norms but ultimately it comes down to your policy!

When you added them... was that them moving into the property with you for the first time or were they living there already and just weren't declared on the policy? If its the later I am not sure why there is a 84p/month charge (though that's less than many insurer's admin fee for any change) given that adding AD had the same impact. If its the former then it starts making more sense that it was really just a change in the number of residents rather than adding a joint policyholder.

We moved into the flat together

amykate62

DullGreyGuy said:

amykate62 said:

DullGreyGuy said:

amykate62 said:
What counts as a joint policyholder as I just asked them to add him as a new person to the policy after it was set up. I only gave them his name and obviously address and told them he is my partner. The premium was still solely paid by me though and he never had to confirm anything on his side?

Who paid, or more accurately, should have paid is broadly irrelevant. Plenty of parents pay for their teenagers insurance but the teenager is still the policyholder.

Policyholder will be as defined in the policy, for most Home it's anyone named on the policy but it can vary. Adding them as joint policyholder doesn't change what cover is bought just who can interact with the insurer and give instruction. 

Okay, thank you, so I just called them and they told me I am the only policyholder and I would be the only person who would need to declare the cancellation as he was added to the policy afterwards.

Unusual but fair enough, as always said, there are industry norms but ultimately it comes down to your policy!

When you added them... was that them moving into the property with you for the first time or were they living there already and just weren't declared on the policy? If its the later I am not sure why there is a 84p/month charge (though that's less than many insurer's admin fee for any change) given that adding AD had the same impact. If it’s the former then it starts making more sense that it was really just a change in the number of residents rather than adding a joint policyholder.

Just got confirmation in writing so hopefully should be fine. Thanks for your help