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    • LizMac
    • By LizMac 16th Jul 17, 2:32 PM
    • 1Posts
    • 0Thanks
    Policy Renewal
    • #1
    • 16th Jul 17, 2:32 PM
    Policy Renewal 16th Jul 17 at 2:32 PM
    I've had holiday home insurance through Swinton Insurance for the last 7 years and it has renewed automatically each year. I rang up last Friday about to make a claim following a storm on the Thursday night to discover that I was no longer covered as my policy had not been renewed on the 28th May as the current underwriter had changed their criteria and would no longer insure my property and Swinton had no one else who would take on this business.

    Swinton's said they had tried to get in touch with me but I had heard nothing.

    I hurriedly had to search for another insurer.

    My question is is there anything I can do regarding time I was uncovered or do I just have to suck it up?
Page 1
    • dunstonh
    • By dunstonh 16th Jul 17, 2:37 PM
    • 92,131 Posts
    • 59,286 Thanks
    • #2
    • 16th Jul 17, 2:37 PM
    • #2
    • 16th Jul 17, 2:37 PM
    My question is is there anything I can do regarding time I was uncovered or do I just have to suck it up?
    Did you get a policy schedule, cover note or did you have a payment deducted from your account?

    If yes, then there is the possibility of something. If no, then you have little to complain about if they can say that they wrote to you on x date and heard nothing.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • paddyandstumpy
    • By paddyandstumpy 16th Jul 17, 4:32 PM
    • 1,016 Posts
    • 495 Thanks
    • #3
    • 16th Jul 17, 4:32 PM
    • #3
    • 16th Jul 17, 4:32 PM
    Ask them how they tried to get in touch? I presume they tried calling, emailing and posting you more than one letter?

    If one letter goes astray it's understandable but if they are not offering you cover anymore after automatically renewing it for best part of a decade, I'd expect them to make serious effort to make you aware of this.

    It might be worth doing a SAR and paying 10 for a copy of all the info they hold on you, which will include copies of their diary system and how they supposedly contacted you.

    Then, depending on the level of effort they did (or more likely didn't) put into contacting you; it may be worth a serious complaint to Swinton Head Office.
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