News7 mins ago
Direct Line Problem
We rented our house out for six months last year whilst abroad. I got landlord insurance from Direct Line to cover the structure and contents. Anyway we ended up coming home and last November moved back in. I rang Direct Line to cancel and they said it would cost £30 admin fee and according to them THEY SAY they told me to swap to normal home insurance. I didn't swap as I assumed the existing policy would still cover me - after I thought what does in matter who lives in the house? Now we've had a ceiling collapse and Direct Line say that as we the landlords have moved back in we are not covered. We have been paying the premiums. There isn't any clause in the contract stating that we should swap to normal insurance if we moved back in but they say they have listened to the call I made and they did make me aware. If I want to listen to the call myself it will cost me £10. Shall I fight it or give it up as a bad job?
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Are you saying that they advised you to change your insurance (at no extra cost or max £30) so that you remained covered. You decided not to and assumed, even though they told you otherwise, that you were still covered and still continued to pay the premiums but then had to make a claim. Because you didn't follow their advice to change the nature of the insurance you are not covered.
What makes you think they should cover you? If it is because they carried on taking your premiums then you are quit possibly in error. They were entitled to consider the insurance for LL protection still in place untill you cancelled or changed it.
If they give you your premiums back you will be lucky. If they pay for the damage you should think yourself exceedingly fortunate indeed.
What makes you think they should cover you? If it is because they carried on taking your premiums then you are quit possibly in error. They were entitled to consider the insurance for LL protection still in place untill you cancelled or changed it.
If they give you your premiums back you will be lucky. If they pay for the damage you should think yourself exceedingly fortunate indeed.
casa, as i read it meglet is not saying that
she is saying that when she called about the insurance it was going to cost £30 to cancel, so she thought she'd just carry on with it. She doesn't think they said that she wouldn't be covered as she was the landlord, but they are saying they did. She checked her policy and it didn't say anything about this so assumed it was ok.
she is saying that when she called about the insurance it was going to cost £30 to cancel, so she thought she'd just carry on with it. She doesn't think they said that she wouldn't be covered as she was the landlord, but they are saying they did. She checked her policy and it didn't say anything about this so assumed it was ok.
'I assumed' just about says it all.
She should have assumed nothing and taken the advice given or looked into it a bit more. I think it may have been the £30 fee that put her off!!
It is the responsibility of the householder to get the insurance that is appropriate to their circumestances. LLs letting out property (wether the property is let out or vacant between tenant) need LL insurance. Someone living in their own house are not LLs and therefore need the usual home insurances.
Once again... The OP did not take the advice of the insurer and kept the LL insurance and did not change it to the usual household insurance.
She should have assumed nothing and taken the advice given or looked into it a bit more. I think it may have been the £30 fee that put her off!!
It is the responsibility of the householder to get the insurance that is appropriate to their circumestances. LLs letting out property (wether the property is let out or vacant between tenant) need LL insurance. Someone living in their own house are not LLs and therefore need the usual home insurances.
Once again... The OP did not take the advice of the insurer and kept the LL insurance and did not change it to the usual household insurance.
Cassa I was insuring exactly the same items whoever lived in the house so it's not that much of a leap to assume the people living in the property made that much of a difference. The £30 fee was irrelevant. My point is that DL tell me they informed me that I wouldn't be covered, I am disputing that this fact was actually said. You may say it should have been obvious, clearly I am not as bright as you.
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