to not pay Churchill £25 to cancel home insurance policy.

[poorbuthappy]

We had a building/content policy with Churchill.
Joint policy so that if house fell apart when 1 of us was not here the other would be able to deal with them.
When we took out the policy I set up the dd from my bank account.
Over Christmas had some bank issues and had to cancel all DDs temporarily.
Sorted it all out, and they sent me a dd set up form to restart the dd, which I duly sent back.
A week later I received another form and a letter saying the first form was not acceptable as the name of the policy holder and the bank account holder name was not the same.
I rang them and asked why, as it was a joint policy, the dd couldn't be paid out of my account.
Computer says no, then the very nice person stated they had managed to print off another form correctly (?) and would forward it to me.
Received it, filled it in, sent it back.
Another letter a week later saying the same thing.

I rang again and will admit I got quite annoyed. I just kept repeating that as it was a joint policy with my name on it I couldn't understand why the dd couldn't come from my account.

Then they said that as my DH was the first name on the policy, it was only his account the dd could come from. Oh, and if I wanted my name first it would cost us £18 in admin fees.

I gave up and got a new policy with someone else.

I have now had a letter stating cancellation of the policy will cost me £25.11.
I don't want to pay them, and need to know if I am being unreasonable not to!

I will abide by the MN jury

Stuff the MN jury, you need to check the terms on the original policy to see if you need to pay or not

So I take it you dont have an opinion then?
I know that cancellation of the policy incurs a charge. But I have cancelled it because they wouldn't accept my bank account as I was not named first on the policy. But it was a joint policy!!

If they have a cancelation policy which says you have to pay you have to pay Im afraid

all the nonsense about not accepting your bank account sounds ridiculous I agree. Any reason why your dh couldn't sort it though?

Might be with writing a volant letter to their head office explaining that the reason you canceled it was because they were not allowing you to pay for it despite filling in the form correctly on several occasions and you did not want to he in the position of not being covered. That if they had let you pay you would have happily continued the policy so given that you canceled because of their inefficiency you will not be paying for the privilege.

Or asking them why they would be able to accept a cancellation fee from you but not let you pay for the policy.

But you may well find you don't have a leg to stand on, especially if the terms also includes only being able to pay for the policy from an account in the name of the first named on the policy.

Volant? Wtf!

Volant =bolshy. Bloody dyac

Hang on, I'll rephrase the question.

Should Churchill allow either policy holder on a joint policy to pay the dd?

I will pay, cos I did cancel the policy but I still don't understand their stance on this!

Or asking them why they would be able to accept a cancellation fee from you but not let you pay for the policy.

This :o

Loving volant!!!
Yes will prob pay with a snotty letter.

You don't need to understand their stance op. The sole reason for existence of insurance companies seems to be to make up random rules and charges to stuff you at every opportunity. Like putting your policy up every year despite no claims but funnily enough being able to change that the second you question them! Can you tell I might have a few ishoos with them in the past too?

I'd write a stiff letter to someone senior outlining the points you made here and cc someone from Moneybox or a newspaper money help person. That might make them reconsider their idiotic demands.

No, no, no, no, no

YANBU. They have been inefficient. If you get no response to a reasonable complaint contact one of the financial journalists that run an advice page in a weekend newspaper.