We took over the previous ownerâs insurance company because of certain quirks in the building. No problems until now. We did approach another company for a quote a few years ago but they told us to stick with esure so we did.
Hanging on to the phone just now âyour call is very important to usâ (but not your time).
We think weâve worked out the reason though. Last year we said that we didnât want to pay by direct debit but would rather pay as and when they sent the annual quotation. Obviously having to check up that people have paid on time and the right amount involves employing someone to check up on them. Direct debit doesnât require any effort or staff for that.
Still, while Iâm waiting, did you know that sending selfies while on holiday can invalidate your home insurance? Putting in a new cat or dog flap into your door can do the same. Any excuse not to pay up.
At our old house we found next door's toddlers in our kitchen one morning. We had a medium sized cat flap. I think accessing the door locks or keys left near the door is the issue rather than a burglar crawling through. They use trained monkeys in detective stories. I suppose you could train a small child. Better than shoving them up a chimney.
After 55 minutes a human being finally answered the phone. But only after three long pauses during the 55 minutes when the phone went dead and I thought Iâd been cut off.Â
In short they have no record of our name, our address or our policy number. They have deleted them before the policy expires it would seem. When I asked what would happen if the house burned down before 3/3/24 I was told that we would be covered. With no record of us existing any more? Oh the claims department will still have a record of us.Â
What we have to do is sign up to esure flex. Completely digital with only bots to talk to. I went to look at the esure flex website. There was a log in button. There was a box saying âExisting customer? Log in here.â But nowhere to sign up so that I could log in.Â
I may be old but I donât think that my marbles are quite as lost as that.
I spent 2 hours on the phone to the bank yesterday, trying to sort out a credit card issue. Firstly: security checks, I thought she was going to ask me what side I dressed, and at what age I lost my virginity, she asked me everything else.
Secondly: she suddenly decided it was not her department....transferred me......long wait......more security questions. Impossible to hear the person, I had to shout at him to move his microphone in front of his mouth.
Finally: no idea what the problem was.... me, "will it happen again", him, "no idea"
How can you lie there and think of England When you don't even know who's in the team
The local insurance broker has said that no new insurance company would consider taking us on without a structural survey being done first. Old house. Gave us the name of a local surveyor. Phoned him up. He knows the house. He said that heâs sure  the house is fine and getting a survey done before a company will insure it is crazy. Heâs coming round tomorrow for a chat. Structural survey would be ÂŁ1500. This is going from mad to madder.
Not sure exactly how to describe it - like the curateâs egg, old in parts. The surveyor sounded as bemused as us. Said heâd never heard of it before. I think itâs just another trick that insurance companies can use to get out of paying if something goes wrong.
The only claim we ever made on esure in our 20 years with them was for a broken laptop that I dropped onto a hard floor ten years ago. The glass could have been fixed but they insisted on a new laptop.
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Hanging on to the phone just now âyour call is very important to usâ (but not your time).
We think weâve worked out the reason though. Last year we said that we didnât want to pay by direct debit but would rather pay as and when they sent the annual quotation. Obviously having to check up that people have paid on time and the right amount involves employing someone to check up on them. Direct debit doesnât require any effort or staff for that.
Still, while Iâm waiting, did you know that sending selfies while on holiday can invalidate your home insurance? Putting in a new cat or dog flap into your door can do the same. Any excuse not to pay up.
41 minutes and countingâŠ.
I think accessing the door locks or keys left near the door is the issue rather than a burglar crawling through. They use trained monkeys in detective stories. I suppose you could train a small child. Better than shoving them up a chimney.
In short they have no record of our name, our address or our policy number. They have deleted them before the policy expires it would seem. When I asked what would happen if the house burned down before 3/3/24 I was told that we would be covered. With no record of us existing any more? Oh the claims department will still have a record of us.Â
What we have to do is sign up to esure flex. Completely digital with only bots to talk to. I went to look at the esure flex website. There was a log in button. There was a box saying âExisting customer? Log in here.â But nowhere to sign up so that I could log in.Â
I may be old but I donât think that my marbles are quite as lost as that.
Off to look for a new insurance company.
Firstly: security checks, I thought she was going to ask me what side I dressed, and at what age I lost my virginity, she asked me everything else.
Secondly: she suddenly decided it was not her department....transferred me......long wait......more security questions. Impossible to hear the person, I had to shout at him to move his microphone in front of his mouth.
Finally: no idea what the problem was.... me, "will it happen again", him, "no idea"
When you don't even know who's in the team
S.Yorkshire/Derbyshire border
I agree @B3. People might just as well go the whole hog and put signs on the house saying "Nobody home for the next 2 weeks".
The only claim we ever made on esure in our 20 years with them was for a broken laptop that I dropped onto a hard floor ten years ago. The glass could have been fixed but they insisted on a new laptop.