I recently renewed my buildings and contents insurance for any third year with LV (I should say also have car and travel cover by it). But once I checked the documents I observed that a completely new statement ended up being added, saying: “Your residence is not only a listed building.” The house is Grade II listed.
LV claimed that they never insured listed buildings, but had only put that sentence inside the schedule since December 2013 C implying i always should have missed that detail when taking off the policy in June 2011 (whenever i was just inquired on “the fabric” of my property).
Its response was to cancel the protection with immediate effect. My feeling is always that they’ve moved the goalposts without telling anyone and C presumably C have put some other clients in to a difficult/very annoying situation.
I were find better cover less nonetheless it was very stressful. Is the legal? Treatment plans seriously isn’t mentioned in this little previous two schedules i don’t have any memory of ever being inquired on it. VS, Cheltenham
Clearly it is important to have the right cover for a listed (and as a consequence historically important) property. Indeed, pay for listed buildings is considered to be an experienced professional form of insurance, so it’s crucial that you research options and rates.
Is what LV doing legal? Young children and can that it can be, however it is a personal word against LV’s. We contacted LV, which confirmed that for 2011 you got a new home insurance quote, using moneysupermarket.com. During completing the quote, the comparison site asked that you read a listing of assumptions in regards to the property and either confirm, or amend, every one accordingly. LV says you confirmed that every one the assumptions were correct, like the proven fact that your property wasn’t a listed building.
When you received your latest insurance documents at the moment, they stated that your chosen property weren’t listed as LV recently changed its customer letters that include more details.
Your call to know it that your particular property was listed ensures that you weren’t attempting to hide anything. LV says it had become then can not present you with home insurance since it doesn’t insure listed buildings.
But it will admit it may have handled the circumstance better and given you more of their time to locate cover, particularly just like you were gonna embark on holiday.
It has apologised and offered 50 compensation, that is hardly generous. The best worrying facet of this oversight essentially were, technically, uninsured for several years, although LV says it might have given out for virtually any claim. The lesson is always to always double-check the contract details.