Get Some Insurance Against Insurance Fraud

, , , | Working | January 23, 2020

(A couple of years ago, I moved to the UK from another country. At that point, I thought I had cancelled all my running costs, but about six months ago I learned that I still had insurance running. Mea culpa; emails went back and forth, and I cancelled it. Or so I thought. This month I see money being taken from my bank account by a different insurance provider I’ve never had dealings with, so I call.)

Agent: “[Insurance Provider], how can I help you today?”

Me: “I am being billed for insurance, but I don’t think I ever contracted with you. Could you look into that?”

(Basic details and security checks are exchanged.)

Agent: “Ah, yes, we bought out your account from [Old Provider] a couple of months ago.”

Me: “I cancelled that. What are you billing me for?”

Agent: “From what I can see, that particular service package was split in two in the takeover, as we treat them as separate services.”

Me: “How was I supposed to know this?”

Agent: “You could have checked your online account page.”

Me: “The account page with a company I didn’t know I was insured with and which, by the way, requires an [Old Home Country] postcode to even get in?”

Agent: “It is your responsibility to do that, yes.”

Me: “Is it even legal for you to insure me across borders like that?”

Agent: “Many people have insurance for places they don’t live.”

Me: “As of my cancellation, do you have any other address on file for me than my current one?”

Agent: “No.” *pause* “I have cancelled your insurance; is there anything else today?”

Me: “Can you refund the last six months when I was clearly illegally insured?”

Agent: “No. Have a nice day.” *click*

(It was about £40 total so I felt it not worth making a fuss, but some people are just blinded by their own procedures.)

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