“Having looked for home insurance I got a quotation from LV. The question regarding flooding asked for rives lakes sea ect and stated no. However I phoned LV to clarify that although no claims were made, the garden had flooded. The agent left me on hold and clarified the position with the technical team. She iformed me that cover would be available.
Immediately prior to buying the cover I again requested LV check the postal code to see if cover would be provided. The agent thiis time informed me that cover would not be given, and blamed the previous agent for getting the cover quote wrong. I asked which agent had gotten the quote wrong. She simply ended the chat conversation.
Buying Insurance from an online source is risky particularly when the application form is ambiguous and the protocols used by the Insurance company are not followed by the staff bearing in mind that if the initial application is wrongly completed any claims will be denied. I will in future go to a broker with a human contact to discuss any ambiguities which may arise.”
