Canellation Charge Churchill Home Insurance.

[ianmonger]

I have just received my home insurance from Churchill for
£143.45. It has gone up££26.85. Last year £116.60.
I have found a cheaper price of £80. 98. Unfortuneatley
Chuichill want to charge me anadmin fee of £36.14 to
cancel this policy Can they do this.
I would appreciate any help I can get.Thank you
Harry

[ivor4781]

if its been automatically renewed ,i think yes, if it hasn't the i think no
ask to see the small print

[4candles]

If you've already paid to renew, they can charge. If you haven't, they can't.

[ianmonger]

Thank you Ivor 4781. I have not automacilly
renewed so will ignore it.

Thank you 4candles I have not paid so I will
cancel my standing order at the bank.

[hc4361]

When is your renewal date with Churchill?

[ianmonger]

HC4631

27/06/2017

[ummmm]

Just pay it to the end of the contract and make sure you haven't haven't agreed to automatic renewal. Then take out the new one.

[hc4361]

It seems to me that you have tried to cancel your existing policy and not the renewal. If you have any outstanding payments for this 12 month policy you must pay them - they will chase you for money owing.
Simply tell them that you don't want to renew and arrange the cheaper insurance to start on the 27/6.

The insurance company is allowed to charge a fee for early termination of a policy (even if you pay monthly you agreed to buy a 12 month policy) but cannot charge you for not accepting a renewal quote.

[hellywelly4]

Make sure you let them know before the renewal date that you are not going to renew. They shouldn't charge you, perhaps you have misunderstood.

[ianmonger]

Thank you
UMMMM
Hellywelly 4
HC4631
I have now got a quote from Confusedcom
for £80.98. Hope it will be OK

[Prudie]

I'd also suggest telling Churchill what your alternative renewal price is (if you're happy with them). They will often match a price if you ring and ask them.

[ianmonger]

Thank you Prudie, I will try that