sun_sparks
Registered User
- Messages
- 416
Am v annoyed right now, and suppose I want some advice from you good, honest AAM'ers as to whether I have a right to be.
We took out home insurance with our mortgage brokers last year. I had got slightly dearer quotes elsewhere, and they automatically quoted for Hibernian when we arranged the mortgage, so we went with that. Seemed a good deal.
Now, we are a year in the house today, and I suddenly realised with blind panic that I hadn't renewed the insurance, so spent the morning looking around for quotes, etc., most of which seem a little cheaper than last year. All good.
Finally, rang Hibernian to get quote from them (we have our car insurance with them, so I know we'd get a customer discount) and they referred us back to our broker. Rang the broker and was told by a new guy that the policy was in the post. I thought he was being dumb and looking at last year's date, and to prompt his realisation, asked whether we were insured for tonight. Sure enough, he said this was until 2008 and that a new policy had been issued last week!!!!
I never received notification of renewal, the opportunity to haggle a quote. I still don't know how much it is - he couldn't tell me that until the woman who deals with it is back tomorrow.
Is this normal?? We know, now, that we tied ourselves in to their commission structure when we took the mortgage with them (BIG MISTAKE), but all communication regarding the insurance was via email, so I have no record of agreeing to automatic renewal.
Any advice?
We took out home insurance with our mortgage brokers last year. I had got slightly dearer quotes elsewhere, and they automatically quoted for Hibernian when we arranged the mortgage, so we went with that. Seemed a good deal.
Now, we are a year in the house today, and I suddenly realised with blind panic that I hadn't renewed the insurance, so spent the morning looking around for quotes, etc., most of which seem a little cheaper than last year. All good.
Finally, rang Hibernian to get quote from them (we have our car insurance with them, so I know we'd get a customer discount) and they referred us back to our broker. Rang the broker and was told by a new guy that the policy was in the post. I thought he was being dumb and looking at last year's date, and to prompt his realisation, asked whether we were insured for tonight. Sure enough, he said this was until 2008 and that a new policy had been issued last week!!!!
I never received notification of renewal, the opportunity to haggle a quote. I still don't know how much it is - he couldn't tell me that until the woman who deals with it is back tomorrow.
Is this normal?? We know, now, that we tied ourselves in to their commission structure when we took the mortgage with them (BIG MISTAKE), but all communication regarding the insurance was via email, so I have no record of agreeing to automatic renewal.
Any advice?