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HomeProtect home insurance - DO NOT USE!!

edited 12 June 2019 at 9:24AM in Praise, Vent & Warnings
14 replies 15.2K views
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  • DCFC79DCFC79 Forumite
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    Part of the Furniture 10,000 Posts Name Dropper
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    DavidFx wrote: »
    Maybe there was a large increase in claims for your post code last year. Although your circumstances haven't changed, your house could now be in a higher risk area.
    It could then be that the underwriters are not happy with the higher risk profile and would prefer you to insure elsewhere.


    You know you have replied to a poster who posted back in may and not been back since.
  • flashg67flashg67 Forumite
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    DCFC79 wrote: »
    You know you have replied to a poster who posted back in may and not been back since.


    May 18 at that!
  • edited 3 September 2019 at 11:24AM
    MSE_MollyMSE_Molly
    79 posts
    Seventh Anniversary 10 Posts Name Dropper Xmas Saver!
    edited 3 September 2019 at 11:24AM
    Hi, the company has asked for a right of reply. MSE doesn't endorse anything a company says on the Forum.
    gezkc wrote: »
    Hi all,


    I just wanted to warn people about HomeProtect home insurance (underwritten by AXA). We've had our home insured for building and contents insurance with them for the past year and have just received our renewal notification (like many companies, they will automatically renew unless you ask them not to).


    Last year our annual premium was £246. We've had no claims and nothing had changed in our circumstances since last year. HomeProtect's renewal premium for this year was... £707!!


    I phoned them to check if this was a mistake or some sort of April Fool's joke, but no, it's apparently correct. When I asked them why it had gone up by almost £500, I was told that insurance premium tax had gone up by 12% and inflation meant that individual claims were costing more! I pointed out the fact that this still doesn't explain why the premium had gone up by almost 200%, but of course they had no answer to that.


    So, if you're thinking of using HomeProtect for your home insurance, please don't! They may offer you a competitive quote for your first year, but they'll then try to {Edited by Forum Team} in the second year, hoping that you'll automatically renew at a ridiculously inflated price.


    Please be warned - they are {Edited by Forum Team}.


    Hi there,

    We checked our records and were unable to find policies with the price increases you mentioned in your post, and so I would be very grateful if you could email me ([email protected]) your policy number and I will investigate further. The prices of policies can go up, down or indeed remain the same at renewal, however we do our best to avoid large price increases for our customers wherever possible, but occasionally we are forced to where the level of risk increases substantially. This could either be because of changes regarding the policyholder, the property, or the way we assess the level of risk involved.

    I look forward to hearing from you and wish you all the best for the future.

    Best wishes,

    David
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  • Hi, the company has asked for a right of reply. MSE doesn't endorse anything a company says on the Forum.
    pj_sipsip wrote: »
    I signed up with these after finding they were the cheapest with subsidence. Their online quote and webform ask if you've had subsidence in the last 10 years (ours was older so I say no). I purchase the insurance and the documents says that I have said I haven't had subsidence in the last 25 years!!!! I felt very tricked. This could nullify any claim and leave us homeless. When I rang she said they hadn't updated their policy documents but could send me an email to say it should be 10 years. No thanks! I think the official documentation would hold more weight in court than a telesales operator. What a con! How difficult is it to update some documents. This was the latest in a long line of shifty wording that they would clarify "in email". Stay away!


    Hi there,

    I’m sorry you were let down by our documentation regarding the time limit for subsidence. The customer service representative you spoke to was correct, and we are in the process of changing our documents to reflect a 10 year limit as opposed to 25. We’ve learnt from this and will ensure document and website updates happen simultaneously in the future to avoid confusion. Thank you very much for your helpful feedback.

    Best wishes,

    David
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