Does anyone here work for Halifax Home Insurance?

[PinkCottonCandy]

If so please may I ask a question?

We had home insurance with Halifax since 2021. Policy in my husband’s name although we are married. Last year when it was up for renewal, I shopped around and took out a policy elsewhere. He didn’t tell me the Halifax policy was on auto-renew and he didn’t cancel even though he knew I was taking a different policy. So for 10 months we have paid for two policies! Is there any chance Halifax will refund if he explains?

I am so cross with him and he’s refusing to call them as he says there is no point? I’m sure it’s a long shot but if it was in my name, I would try.

No chance at all. Who's to say you wouldn't have claimed from them in the event of damage?

I don't work for that insurer, but you might find this Ombudsman decision of use -

https://www.financial-ombudsman.org.uk/decision/DRN-4032529.pdf

Dual insurance is technically illegal (or was 30 years ago when I did some exams 😂) so I think you may have a chance one or other would have to be backdated cancelled, whether they give you all the money back and which one cancels is another question.

This clause:

If there was no mis-sale or other business mistake, and it was purely a case of ‘accidental’ dual insurance due to a mistake by the policyholder, we’d expect normal industry practice to be followed: that’s for both businesses to refund 50% of their respective premiums. Then the policyholder is put back in a reasonable position – having effectively paid one premium to be covered once. This is because, in the event of a claim, both insurers would have 50% liability for it – so it follows they should receive 50% of the premium to match the risk they’re taking.
Although neither business has made a mistake in this situation, it’s not fair for them to keep more than 50% of the premium when they’re not liable for more than 50% of the risk.

Thank you. It wouldn’t have occurred to me to contact them both. I know it’s our fault. Thank you for your help.