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Insurer refuses to provide policy schedule

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  • 23-07-2019 6:13pm
    #1
    HB1024
    Registered Users Posts: 11 ✭


    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.
    Tagged:


Comments

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    #2
    Donegalforever
    Registered Users Posts: 405 ✭✭Donegalforever


    Do they have something to hide ?


  • Options
    #3
    HB1024
    Registered Users Posts: 11 ✭HB1024


    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.


  • Options
    #4
    timfromtang
    Registered Users Posts: 557 ✭✭✭timfromtang


    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

    www.youtube.com/c/timfromtang

    Fuinseog abú



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