Insurer refuses to provide policy schedule

HB1024 · 23-07-2019 6:13pm #1

Hi all,

I insured 15 hectares of Sitka Spruce for the first time last August. I agreed the details of cover with the insurance company in general terms, and got a document that outlines this. But I never received a document that really gets into the nitty gritty of the terms and conditions (I believe this is called a policy schedule).

Now it's time to renew, and I've asked to see the future policy schedule. The insurance company has responded that I can have this after payment is made! I got a similar response from a second insurance company. This seems highly strange to me: both are selling a product, but refuse to provide the exact details of what it entails until the product has been purchased.

How can this be legal/normal?

HB.

Donegalforever · 24-07-2019 8:25pm

Do they have something to hide ?

HB1024 · 06-08-2019 7:37pm

I asked the Competition and Consumer Protection Commission. They confirmed that prior to issuing insurance, an insurer must provide details to the consumer about the policy so that he/she understands it, but isn't obliged to provide the complete schedule.

Seems insane to me, but there you go.

timfromtang · 07-08-2019 12:58pm

HB1024 wrote: »

I asked the Competition and Consumer Protection Commission. They confirmed that prior to issuing insurance, an insurer must provide details to the consumer about the policy so that he/she understands it, but isn't obliged to provide the complete schedule.

Seems insane to me, but there you go.

I'd ask if a full refund is available should you on have a problem with a part of the complete schedule, and for how long, 14 days perhaps

tim

Insurer refuses to provide policy schedule

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