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House fire; found out home insurance not autorenewed

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  • dunstonh
    dunstonh Posts: 119,785 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Thanks @DullGreyGuy. Really useful to see the previous decisions, and where differences lie.
    I suppose I also feel that a) introducing autorenewal, a device which people, especially families like ours in crisis mode, will rely on whilst b) using email to notify of cancellations for something so life shattering has significantly reduced the care given to consumers, whilst providing huge benefits to insurance companies. Appreciate it might not be an Ombudsman decision, in that it probably relates to the insurance industry as a whole, rather than the individual company we are dealing with.
    In general, you get the communication in the method you use for purchase.   So, if you buy online and give your email, then they will communicate via email.   I still get my renewals in the post but I bought through branch of NFU.  However, a week does not go by when we get post for other addresses that have been misdelivered to us.   We put it back in the post but many misdeliveries don't.    So, no method of delivery is perfect.

    I do like the providers that send and email and a text message (on the areas of business I deal with).   I think that is good way to go but you have to select both methods for communication.  If you only select, say email, then email is what they will use.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • AoCRedux
    AoCRedux Posts: 8 Forumite
    Second Anniversary Photogenic First Post
    Hey OP.  I was just wondering how you're doing?  Your post really connected with me - we've just had a house fire, and our kids, 11 and 14, both have additional needs.  Our insurance was okay, but we're in a pretty awful financial situation because 11yo needed very intensive support and was having violent meltdowns through most of 2024 and I simply couldn't manage everything.  We've had the EBSA thing and EHCP struggles, too.  So I totally understand what you mean and how easy it is to miss something.  I get it.  I feel it!  I hope you got sorted, one way or another.  Sending hugs.
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