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Insurance

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Insurance

Post by Metaldunk on Mon Nov 12, 2012 3:11 pm

Hi all - just a query

We've got a mortgage with Caja Rural, aswell as our Life and House Insurance

We've found cheaper house and life insurance now, but were told by Caja Rural last week that we can't cancel the current ones, and having life and house insurance with Caja Rural was a condition of our mortgage... We've no paperwork signed to this effect..

has anyone else ever heard of this or do you think they're trying it on?

thanks
Dunc
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Re: Insurance

Post by Taught2BCautious on Mon Nov 12, 2012 6:37 pm

if it's anything like the mortgage I have on my UK home with Halifax, they take out life cover on your behalf, but you pay for it!

I guess they don't much fancy the risk of you leaving them out of pocket if you take out alternative cover that doesn't cover the outstanding loan, or die after failing to make payments.

I don't think the arrangement is mentioned in the Mortgage paperwork, but the conditions are mentioned in the Life Insurance policy.

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Re: Insurance

Post by Ponderosa on Mon Nov 12, 2012 6:39 pm

Do you want a good insurance or an insurance company that is not there if it should come paying out when you have trouble. We had a problem (A fire) and our insurance company was there the next afternoon taking pictures and paid out before we could finalize all the quotations, people who had been following my postings on the forum were asking for their name and details they were a Swiss company.

Have a look at.

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Re: Insurance

Post by Metaldunk on Mon Nov 12, 2012 9:05 pm

yeh it was Abbeygate who offered us a better deal. Thanks for the info guys!
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Re: Insurance

Post by Ken on Mon Nov 12, 2012 9:17 pm

Please check, if you are living in a cave and have buildings insurance, that you are covered. MOST, don't!!! Or if they do. limit it to €10K or so. Don't trust them unless it is in writing.

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Re: Insurance

Post by Dave on Mon Nov 12, 2012 10:59 pm

I seem to remember this was discussed in depth some time ago? May find some info in 'search'

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Re: Insurance

Post by Twisted Fire Starter on Tue Nov 13, 2012 1:53 pm

Or gooooogle lol!
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Re: Insurance

Post by Metaldunk on Tue Nov 13, 2012 2:41 pm

not my specific question answered on any 'search' topics Dave
just off to get a Caja Rural tattoo Laughing
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Re: Insurance

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