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Contents Insurance....


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What do Brighthouse accept as proof of Contents Insurance?

 

Proof from your insurance company stating "ITEMS SUBJECT TO A HIRE PURCHASE AGREEMENT THAT YOU ARE RESPONSIBLE FOR."

 

Give your insurers a call and ask if the above is a SPECIFIC term in your policy. If it is, ask them to confirm it in writing to you. If it ISN'T, ask if it could be added to your policy... (it will still work out much cheaper than paying DLC to BrightHouse.)

 

Hope this helps

 

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

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Thanks for that...it does help.

 

I am in the process of setting up my home insurance....and i was told by Brighthouse that they phone the insurers to check if this is included in the cover. So presumably i don't need to have all the paperwork through just the insurers contact details and policy number?

Also, if i have to take DLC initially, can i cancel it once the contents insurance comes through?

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Thanks for that...it does help.

 

I am in the process of setting up my home insurance....and i was told by Brighthouse that they phone the insurers to check if this is included in the cover. So presumably i don't need to have all the paperwork through just the insurers contact details and policy number?

Also, if i have to take DLC initially, can i cancel it once the contents insurance comes through?

 

DLC can be cancelled by giving 7 days written notice, and with proof of suitable home contents insurance.

 

BrightHouse DLC cover (damage liability cover) is not like real content insurance. It only insures your "liability" for the agreement you took out. In the event of a successful claim it would only result in the remaining payments being waived. There would be no replacement product(s). You, quite literally, end up with nothing.

 

Cheers

Lefty

If the left side of the brain controls your right, and the right side controls your left, then left-handed people are always in their right mind!

 

Please help to support this site with a small donation... every little helps...

 

CAG- The Nation's Weekly Info Store!

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Hi Padfoot

 

Here's a useful Template, but read it carefully,

 

Item Description/Acount Number(s) XXXXXXXXXXXXXXXX (if you don't have these, simply phone your store and request them)

 

Dear Sir

 

I am writing to give the required 7 days notice, as detailed in my agreement(s) that I wish to cancel all "optional" service cover on the above product(s). To simplify matters, I have today (date) presented a copy of this letter to the store manager of Brighthouse (Branch), which has been duly acknowledged, so 7 days notice shall commence at the date of this letter.

 

As stated in my agreement(s):

 

“Your Obligations: Optional Service Cover

Section C (b) The service cover premium is renewable each time your regular instalment is due under the agreement. If the premium is not paid Service Cover will lapse.

 

Section H (3) This policy shall continue in force until you give seven days notice…”

 

I also give notice that I will no longer require damage liabilty cover in respect of the above agreement(s). After having consulted with my home contents insurance provider, I can confirm the above product(s) are "suitably" insured. (I shall be happy to provide a copy of my insurance policy on request.)

 

I shall be making my next payment on (day) at Brighthouse (branch). This payment will not include "optional" service cover or damage liablity cover.

 

(the next bit is very important)

 

I understand that you may require me to sign a revised agreement(s). I will only do this if all payments made previously on this agreement(s) are reflected in any revised agreement(s). I do not waive any of my rights under the Consumer Credit Act 1974 regarding, in particular, “early settlement” and “repossession” as set out in section J of the original agreement(s).

 

Kind Regards

 

Blah Blah

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