Product insurance - Policy excludes accidental damage

Based on resolver’s experience to date, it would be unusual to receive a policy excluding accidental damage if you had requested it unless you have inputted the wrong details into an online application or had them misheard during a telephone conversation. If your policy excludes Accidental Damage, you should contact your insurer immediately as you may be underinsured. Your insurer may be able to alter your policy (although your premiums may increase). You may be able to cancel the policy if it is within the 14-day cooling-off period offered with insurance although you could incur a cancellation fee so check with your insurer. Don’t ignore the incorrect policy as you could find that you are not covered in the event of a claim. Do be aware of the policy small print regarding Accidental Damage as different insurers have different policies.

If you think the charges you face for including accidental damage in your policy are unfairly high - or if you have had to make a change because of what you think is a mistake on the insurer’s part - you can complain to the company directly. Ask for an address for customer services, and write giving clear details of your case - such as what happened, when, and why you think you have been unfairly charged. resolver recommends that you submit your concern in writing and resolver can assist you in submitting, recording and reminding you when and who to escalate to. As a last resort you can make a complaint to the Ombudsman about the conduct of your insurer. The Ombudsman can order your insurance company to refund costs, and arbitrate between you and your insurer.

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.
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.

No additional information.

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