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Swinton insurance - I am not happy so far !

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Can anyone advise please?

 

I changed my home insurance from company A to company B (swinton) in December 2012.

 

As the renewal had come up from company A,

I decided to look for a better quote and came up with company B.

 

Filled in forms gave them bank details and had policy at hand before old policy ended.

 

There was 2 weeks between one and the other ending and starting.

 

In those last 2 weeks we had a broken window and had to claim off policy A although it was due to end soon after

 

.Remember I had already filled in all the details with B and disclosed all there was at that time.

 

At renewal time with policy B I would have had to disclose the latest claim with policy A.

 

Started with policy B and all was well until I had to make a claim this week.

 

They said as I had not disclosed my last claim to them with policy A, they would not be able to pay out.

I feel this is unfair as I had already disclosed all to them at the time I took out the policy and did not realise I would have to until renewal.

 

I am not happy in the least about this.

 

I hid nothing from them at the time of taking out the policy.

 

Has anyone any advice please?

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IMHO you should have told them

 

or atleast made the effort to make sure it was ok .

 

dx


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Is that helpful advice?? If I knew I had to tell them I would have done!

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We were in a very similar situation with our car insurance - other half had a speeding offence a week before renewal which we obviously didn't know about until after renewal so didn't disclose. The broker wanted to charge us extra because of it but when we complained direct to the insurer they changed their minds and agreed we were not obliged to disclose until the following renewal.

 

Write a formal complaint to the insurer and ask for a final response. If they won't budge then go to the Ombudsman.


RMW

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