Home insurance - Cancellation not processed
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In order to prevent renewal when your policy is coming up for renewal you should simply contact your insurer and ask that they ensure they do not renew your insurance policy. You should ask them to send you written confirmation that your insurance policy will not be renewed when it expires. Insurance companies are likely to demand notice for cancelling renewal (some up to 28 days!) and so you should try to get your cancellation in as early as possible.
If your insurance has been renewed, UK insurance rules state that consumers have a 14-day “cooling off” period when they purchase most kinds of cover. So if you want to end a policy within two weeks of receiving your documentation, you should receive almost a full refund of your premiums. But you may have to pay an administration fee (typically less than a full cancellation charge) as well as the cost of however many days you were covered for.Once the 14-day cooling-off period has passed, the penalties for cancelling your policy increase. You will be charged a cancellation fee, and the amount you are refunded for the unused premiums will be limited. Check your insurer’s policy to see what their fees are before you cancel. Be aware that if you end your policy before the year is up, you will miss out on the no-claims bonus for that period.
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You should know
- If you’re making a complaint about making an insurance claim rather than a mis-sold policy, check your documents to see who the “underwriter” is. You’ll need to make a complaint to that organisation.
If you cannot resolve your issue you cannot raise your case to the Ombudsman until 8 weeks after you have first raised your complaint with your supplier, or you have received a ‘letter of deadlock’ from the company stating that they cannot resolve the issue as you have asked. Your complaint must also not be older than 9 months. For an accurate decision by the Ombudsman you should provide a detailed file of your communications and supporting documentation. In addition make sure you explain what you want as an outcome as this will help assess your case.
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