Who would have thought renewing home insurance would be such a challenge……….
People who know me, know I hate using the telephone now. Last year I was fine. I renewed my home insurance when I moved , no problem. Imagine my horror when the realisation came at having to do it all over again this year……..My renewal arrived and I did my usual thing of checking for quotes on line and found it was much cheaper than the price they’d quoted me. I could have just gone with the original extortionate quote and not had to do a thing, but why should I?
I knew it would be difficult for my daughters to ring for me as they ask you soooooo many questions that they wouldn’t necessarily know the answers. So I plucked up courage to ring myself – simply saying that the quote they gave was far higher than others..
We went through the confusing array of questions – luckily, and I’m sure by pure chance, I had a lovely smiley woman on the other end of the phone. However, again, this is a service that relies on memory……🙄……and they have callers queuing up on their call board waiting to be answered……so speed through the questions…………
As always, the quote was significantly reduced when I said what others had quoted me……so why oh why can’t they offer the proper price at renewal and make things so much simpler. I’m told many people simply take the renewal offer and don’t search on line, which is probably why. But I’ve always searched for a better quote – it’s just that now that’s becoming a bit of a nightmare…….I’m never sure why they ask all the questions online and then insist on asking them all again on the phone….it’s difficult for most people.
So really, I havn’t a clue whether I’m insured properly due to the speed of rapid fire questions and having to rely on my memory for the answers – obviously I’ll read the policy when it arrives, but then even that relies on me remembering what I’ve read when I’ve turned a page – next year we may have to think up an alternative way………
Wonder how many other people living alone with dementia simply renew as that’s the easier option and maybe some don’t even remember to renew…………..or don’t have house insurance……..