Home insurance - Monthly payments meant to be no extra charge

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Based on resolver’s experience to date, if your monthly payments are meant to be no extra charge but it appears that an interest rate has been applied, you should contact your insurer to verify the terms of the payments. They may waiver the charges as a good will gesture. If the policy was advertised as having no monthly payments you should point this out to your insurer. resolver recommends that your contact your insurer in writing and retain a copy of all communications. You may want to consider paying for your insurance policy in full when you first take it out. This eliminates the problem of interest being added to your payments so it’s a good idea if you can afford to do so.

Be aware that insurers who don’t charge interest on your monthly payments will work out cheaper overall or provide you with the most suitable cover. The best way to get the right cover at the right price is to compare the premiums you're quoted by providers that don’t charge you interest for paying monthly with the total cost of cover (the quote for cover plus interest) quoted by providers who do charge extra.

If your quotation advertised the policy as having had no interest added to monthly payments, but your insurer is unwilling to adequately deal with your problem then as a last resort you can escalate to the Ombudsman. The Ombudsman will be able to mediate between you and your insurance provider - if your policy has been advertised as being interest free it would appear that you have reason to seek compensation if it is not!

Resolver can help you resolve this issue quickly, free of charge and without the hassle. We can also help you with the next step of writing your complaint. Click on the link below to create your email.

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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