quarterfloun
Registered User
- Messages
- 117
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 to the girl "I'll sort them both out in a few weeks - is that OK?"
your policy was perhaps LAPSED (not renewed) rather than CANCELLED.
I would think that if you were aware of the renewal date, and if the broker said that they would hold you on cover, then you may have a case against broker.
Is broker a member of one of the brokers associations?
You could also complain to financial regulator
And why should I not expect "a months grace" when everybody who pays me thinks 30 days is a good enough place to start. If it is good enough for business to wait 30, 60 & 90 days why can't they wait the same?
First of all I have a genuine aversion to all things that remotely look like a form so one of the reasons I use brokers is to avoid them and to rely on their expertise. I would no more expect my broker to understand the intricacies of Exchange Server than I would of insurance clauses, pitfalls, cover ratios etc. I expect them to ask me the relevant questions and then sell me the appropriate product.
Probably not - but at least some of us try...You read everything from front to back?
And you are expert enough in everything to know what you are looking for in small print no matter the subject?
How do you manage to be an expert in your own field in spite of your form phobia?First of all I have a genuine aversion to all things that remotely look like a form ...
I think you are taking your problems out on the world. Its as common as night follows day that Insurance cover lapses if a payment date is missed. You are in business and you are saying that you never heard this before !! Did you check with the landlord of your property as under normal circumstances they would have Insurance cover for buidings and contents.
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