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Halifax cancelled my home insurance


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I received a letter the other day from Halifax telling me they had cancelled my home buildings & contents insurance. When I telephoned to ask why they said it was because the direct debit payment for September had not gone through.

 

I explained that we have recently undergone a traumatic family separation, that I was now a single parent and that I had not seen any of the correspondence they claimed to have sent previous to this cancellation. I also offered to make up any arrears and to put a new direct debit from my account (it was previously from my ex-partner's account and we were both named on the policy) if they would reinstate the policy.

 

They refused point blank and also refused to insure me under any other policy. I pointed out my blameless 5 year record of having insurance with them and the mitigating circumstances. They were completely unhelpful. I suspect that the fact I have CCAd Halifax for a credit card (an entirely separate issue) may have something to do with this.

 

I went straight online and found another policy but have today received the documents which state I must disclose if a policy has previously been cancelled. Please can someone advise what is the best thing to do here and do I have any right of redress?

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Just phone the new company and explain that your policy with Halifax was cancelled due to a Direct Debit issue, caused by a temporary family issue. Tell them due to service issues with Halifax caused by this, you decided to go elsewhere.

 

The new company should be ok about this.

 

Halifax and other companies in the Lloyds group including Esure are getting a very bad reputation for treating customers very badly. I suspect it is now company policy, not to issue another policy, if a previous one is cancelled due to payment problems.

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