We have to check the eligibility of the property before setting up any insurance policy. One of the questions we ask is: ‘What type of property is it?’ We expect a very simple answer, such as: house, flat, bungalow, park home, etc. We very rarely get the simple answer.
‘It’s in the middle.’
‘It’s brick built.’
‘It’s three bedroom.’
‘It’s on it’s own.’
‘It’s semi-detached, brick built, four bedrooms, with a pointed roof, built in 1965. And it has a converted loft.’
‘I live here with my wife and kids.’
‘It’s next door to number five.’
‘Oh, you know. It’s a normal home.’
I live for the day when my job is simple.
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A woman called today not sure of which policy she wanted or what was best for her. I gave her details of the policies in question and asked which she favoured.
‘Oh I don’t know.’ She said. ‘I don’t know what’s best for me. What would you suggest?’
‘Well,’ I said, ‘I can’t give you advise as I don’t know anything about your property, so I won’t know what’s best for it.’
‘Well I don’t know either!’ She said indignantly.
‘But you live there!’ I reminded her.
Surely a homeowner will know about their property? Surely a homeowner will know what insurance they have or don’t have? Or am I being naïve again? Answers on a postcard…
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