TESCO INSURANCE....not payin up...

spidyem_frued

Hello:
I have had some house insurance from the above lot....ok I am not a whizz on the computer but thought hey I will go on line...so after paying and having their insurance on 1.8.07. We had a laptop claim after being on a trip abroad where it was broken.
Having looked at the details we did not tick the box that we had other claims in the last three years. Quite simply a mistake as we also had been paying for buildings insurance on a leasehold. It is only when we make our claim they magically discover our mistake but miss that we have been playing for an insurance on our leasehold that already is insured. To us we seem to have been mis sold this insurance and only when we make our claim they do not want to pay and giving us a hard time.
They now want us to write a letter saying why we did not disclose the other claim. Any advice on how to get our money for the lap top and highlight being missold insurance for a leasehold which they seemed happy to take our money for that over the year?
Spids

dunstonh

It is only when we make our claim they magically discover our mistake but miss that we have been playing for an insurance on our leasehold that already is insured.

House insurance is generally checked on a claim and not point of sale. You are responsible for telling them the correct information (or the broker is in part but you bypassed a broker so you take on the responsibility).

To us we seem to have been mis sold this insurance and only when we make our claim they do not want to pay and giving us a hard time.

To be mis-sold an adviser must have sold it to you incorrectly. You didnt use a broker or adviser but chose to buy yourself. You incorrectly filled in the application form and now you want to blame someone else. How are your mistakes someone else's fault?

I suggest you tell Tesco how you made your errors. There are rules in place to deal with non-disclosure and Tesco need to decide if you were acting fraudulently or you made a genuine error.

peediedj

seems to me even thoguh you missed it you are in the wrong not telling them about previous claim/s end off

Oscar_The_Grouch

This sounds very much like the insurance company are looking to void your policy. Dunstonh has hit the nail on the head when he says that you are responsible for giving the correct information.

When a policy is declared void, it means that the insurer feels they have been mislead, but have no evidence to say that the misinformation was deliberate. They declare that they would not have written the policy had they known the truth and give you back whatever premium you have paid to date. You then have to declare the voidance to ALL (not just home) current and future insurers (including car, mortgage, mobile phone, etc).

Voidance is definately preferable to them deciding you deliberately mislead them as if that was the case they would be invoking the fraud condition, keeping your premium and possibly claiming costs from you.

Forget the laptop; that is the least of your worries. If your policy is declared void, you will have to decare this to any future insurer and most of them will not quote for you (those that do quote will charge you more money for the voidance too).

I suggest you phone Tesco, explain that you missed the question by accident and exactly what your claims history is and what each claim relates to. Apologise and ask them if they would be willing to let you withdraw the claim and cancel your policy. If they let you cancel the policy, you will have been very lucky.

As for you suggestion that the insurers are in the wrong, did you not read the documents they sent you when you took the policy out? That would have incuded a summary of the information you gave them and the fact that it is your duty to tell them if it is wrong.

One of the principals of insurance is "Utmost Good Faith". It means "Don't Lie To Your Insurers"!!

Error correction: I put Direct Line instead of Tesco - Both linked to UK Insurance Co and RBS, but different parts.

FlameCloud

I agree with Oscar. As part of my job I normally send out 2 or 3 non disclosure letters a day, and nine times out of ten people come back with the excuse that they didnt click something or forgot about it.

I would also be completly honest. It is not unkown to not list all claims that the insurance company knows about when they write to you, putting in a paragraph asking you to disclose all claims listed above or unlisted.

How many claims have they said you haven't disclosed?

spidyem_frued

boohoo, sometimes I hate technology and see your point! ok I will do as advised!Thanks