written by SilverSurfer54 on 03/03/2013
I was referred to SW for Home Buildings and Contents Insurance by Compare the Market as after answering all the questions,they appeared cheapest. I contacted SW on line to clarify a couple of points and was asked a few more "standard questions by their agent,before agreeing to the policy and paying annual amount by credit card.
When policy papers arrived I read through them as requested and noted a question ~ that I had not been asked - was on the schedule "are there any children under the age of 16 living at the insured address?" - the question had been answered "none" when infact there are two. I telephoned SW to advise them of this and immediately the agent re-calculated the premium and added another £16.00 to the annual premium. When I queried this with her, she stated that this was a standard question and that I must have answered it incorrectly. I politely told her this was not the case and she offered to cancel the policy..which I gladly accepted. I assume that if I had not read the schedule, this would have been a "get out" clause for them to avoid paying any subsequent claim!!
I have not been able to find another insurance company that has asked this question as "standard" and when I ask them, they all say it's irrelevant!!
Having read some of the other reviews about this company, all I would say is "BEWARE..BEWARE..BEWARE!!"
P.S. am now awaiting premium refund with fingers firmly crossed!
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