Very unrelated to Ducati, for which I apologise. Just interested in other people's views. I live in a coach house with 3 garages. Under the title, I have to rent out two of the garages to neighbours for the princely sum of 5p per year! But they are supposed to pay 1/6 of my house insurance. Anyway, I'm not charging them this year, but I would, normally, want a certificate of insurance to show them and prove that the garages are insured. This is just building not contents - feck knows what's in the garages - lots of farm tools in one! Anyway, I've paid and been having and ongoing argument with the insurance company about providing me with a certificate of insurance. They kept pointing me a the renewal invitation letter to say, "there you go". I keep telling them that this is just an invitation to renew (with the renewal premium on it) but it does not prove that I DID renew. I can't understand what they don't get. Back in the day of having to show up at a Police station to show your documents (if you had been stopped), then you would be told to feck right off if you showed them your insurance renewal invitation rather than a certificate of insurance. As it turns out we were at crossed wires when they told me that they had sent me a certificate of insurance and it must be lost in the post. What they always meant was the invitation to renew (which I could of just thrown in the bin - but didn't). It seems that the children who deal with customers at the insurance company (Home Protect) have no idea what I am on about. So, as it stands, I have no proof that my house is insured. Home Protect started off denying that I was not insured but I could provide proof that I had paid. I have a new email address and that seems to carry more weight than my property address, or my name. Only when I sent them a scan of the renewal offer and proof that I had paid did they accept that I am insured - although I still have no proof. Is this normal as I will be moving insurance company next year?
I’d be moving right now, IMO without a certificate you have no proof you’re insured. Yes you’ve paid but what proof have you that the ‘broker’ has paid the insurer I’d be wanting proof in the form of a certificate. I have public/employer liability with the certificate, should a claim be made against me the insurance company can’t wriggle out of it.
No broker involved. It was direct with the company. But you're right. Although I do have an email now saying I am insured - not that an email is proof of anything....
