Hi Everyone,

I would really appreciate your help here, as I think the Post Office home insurance are mis-advising people.

I am moving out of my housing association flat to a house I just bought with my girlfriend. I have a 6 week overlap for the two properties so we can renovate and decorate prior to moving in. I already have contents insurance for the new house. My flat was covered for the last 6 years by the Post Office, I told them I am moving and have to cancel the insurance as there is already insurance at the new house, so they can't insure it. As such they have to cancel insurance at the flat as I won't be living there and can't transfer the insurance to my new property.

However, they are still wanting to charge me an £35 early cancellation fee. Surely this isn't right, as they can no longer legally provide a service to me? Are they [causing problems] people like me out of £35?

Many thanks in advance!

For the sake of 6 weeks just let it run to renewal then cancel. As long as you are not claiming there will not be a problem.

14.If the policy is cancelled for any reason within 12 months of the commencement date, we reserve the right to reclaim any guarantee payback, together with the standard charges and fees as set out in your policy documents.

https://www.postoffice.co.uk/home-insurance/under-50s

Simply let it expire and dont renew.

Sorry if I didn't make it clear. The policy renewed automatically in April, the 6 week overlap is between my current flat and the new house which is why I had to insure the new house on another policy and PO can't insure me anymore.

Surely they can't claim you have cancelled the policy by moving? What about people who become homeless through no fault of their own? Really nasty stuff from the Post Office, whom you'd have thought were slightly different to the others. I certainly won't be using them again.

Okay so still 8 months to run...do you pay monthly or annually?

How much does the 8 months equate to ?

~£15 a month, was ~£9 in 2012 when I first took out the policy. If there is one thing I have learned here it is you get mugged off for being loyal to insurers!

Okay so it will cost more to let it run and expire ...£120...where as the cancellation fee is £35.

Its their T&Cs and as unfair as it seems you have to accept them or not sign with them initially.

Your new Insurer will most probably also have the same T&Cs...so its all of them not just the PO.

Your choice.

Pretty sure they didn't have the £35 cancellation fee in 2012 when I signed up, and they have added it since. I find the whole being able to completely change premium and policies on renewal automatically thing a bit odd. It's like a way of tricking lazy, busy or trusting people.

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