quarterfloun
Registered User
- Messages
- 117
I am currently renting.
I have two issues which I would like a bit of debate on...I approached my broker Nov. 2005 to cover contents at the premises I am renting. As the house was furnished much of my stuff from England (which I returned from) stayed in its boxes. These boxes as well as my Golf Clubs, Fishing Rods, Tent & ride on mower all went up in flames and I find out I did not have the Garage covered - according to my broker these should have been covered under an away from home policy! The Garage is part of the same structure so why is it away from home?
Similarly I use a broker to ensure that I am adequately covered as I can get cheaper insurance online. Has a broker not got some sort of duty of care to ensure (or at least advise) me on the correct policy to have in place, how can your garage not be part of your home if joined on?
Secondly I find out this policy was not in place. The sequence of events is that a week before renewal someone from the broker rang my wife to say the cover was due for renewal and asked did we still require it to which my wife replied yes we do. My wife said that I would be in to pay for it and it was left at that. No time frames were mentioned by either side. A couple of weeks later I was in taking out another policy on another house and said yto the girl "I'll sort them both out in a few weeks - is that OK?" Yes was the response. I took out cash to cover these policies on the 23rd of December and when I went in to pay them both after the fire I find out it was cancelled. I do not understand why it was cancelled when my wife and I clearly indicated we wanted it and when we were paying it. If we had been informed of an issue we would have paid it earlier. It is pretty much irrelevant give we would have had the wrong policy anyway but I really feel aggrieved that I paid out money for a policy in year one that covered nothing and in year two my policy was cancelled even though (as we understood it) we were OK.
I also am very angry that I paid for professional services and got the wrong policy to start and that it was cancelled without notification despite both the broker and ourselves being aware it was required.
I have two issues which I would like a bit of debate on...I approached my broker Nov. 2005 to cover contents at the premises I am renting. As the house was furnished much of my stuff from England (which I returned from) stayed in its boxes. These boxes as well as my Golf Clubs, Fishing Rods, Tent & ride on mower all went up in flames and I find out I did not have the Garage covered - according to my broker these should have been covered under an away from home policy! The Garage is part of the same structure so why is it away from home?
Similarly I use a broker to ensure that I am adequately covered as I can get cheaper insurance online. Has a broker not got some sort of duty of care to ensure (or at least advise) me on the correct policy to have in place, how can your garage not be part of your home if joined on?
Secondly I find out this policy was not in place. The sequence of events is that a week before renewal someone from the broker rang my wife to say the cover was due for renewal and asked did we still require it to which my wife replied yes we do. My wife said that I would be in to pay for it and it was left at that. No time frames were mentioned by either side. A couple of weeks later I was in taking out another policy on another house and said yto the girl "I'll sort them both out in a few weeks - is that OK?" Yes was the response. I took out cash to cover these policies on the 23rd of December and when I went in to pay them both after the fire I find out it was cancelled. I do not understand why it was cancelled when my wife and I clearly indicated we wanted it and when we were paying it. If we had been informed of an issue we would have paid it earlier. It is pretty much irrelevant give we would have had the wrong policy anyway but I really feel aggrieved that I paid out money for a policy in year one that covered nothing and in year two my policy was cancelled even though (as we understood it) we were OK.
I also am very angry that I paid for professional services and got the wrong policy to start and that it was cancelled without notification despite both the broker and ourselves being aware it was required.