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Domestic & General insurance

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  • Domestic & General insurance

    I have an issue with Domestic & General insurance for an oven. They have generally been very approachable and their insurance products work. However, I have an issue with their billing, which I have appealed on twice, and twice they have dismissed my claim.
    We had a problem with our oven earlier this year. An engineer for the brand came, and advised that our insurance was based on a cooker, and not an oven.
    I called D&G advised them of this and they promptly cancelled our existing policy and set up a new one. However, the price was £10 a month cheaper, so great.
    I then asked them to review our past premiums as I contented that they knew that they were covering an 'oven' rather than a 'cooker'. I was not even aware of the term distinction being that a cooker is freestanding and an oven is built in.
    As the oven was 17 years old, this was a rather large overpayment. From the outset, they have the details of the oven, brand, model no and serial no.
    Not only that, but the oven in question is a Neff, and Neff do not manufacture cookers.
    Yours thoughts on a small claim or a complaint to the FCA.
    Thank you.
    Tags: None

  • #2


    IMO you would have difficulty withn a claim for "overpayment"
    Effectively you requested insurance cover for an item,
    You gave them the details and they quoted you a price which you accepted.
    The fact that it was outside their normal range is neither here nor there

    If the matter was reversed and they discovered you had been quoted a price below their normal premiums, would you agree to pay them for their mistake?

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