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post #1 of 16 (permalink) Old 23-06-2015, 12:46 Thread Starter
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Thumbs down beware no refund from mhf insurance

Hi


Just to let you all know DO NOT USE mhf insurance.
I insured my motorhome with them for 12 months sold motorhome and cancelled policy, over 3 months still left to run on policy they would not give a refund for the 3 months. will never use them again and will tell as many people as I can about the robbing barstards.
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post #2 of 16 (permalink) Old 23-06-2015, 12:56
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Quote:
Originally Posted by 100brian View Post
Hi


Just to let you all know DO NOT USE mhf insurance.
I insured my motorhome with them for 12 months sold motorhome and cancelled policy, over 3 months still left to run on policy they would not give a refund for the 3 months. will never use them again and will tell as many people as I can about the robbing barstards.

Have you never read the terms and conditions of ALL insurance companies, when it comes to cancellation of plicies ?


What they did {ie. the insurance underwriters} is no different to all others


tony
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post #3 of 16 (permalink) Old 23-06-2015, 13:15
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I've just taken out a car policy with Axa and the cancellation terms state "If you cancel you
will receive a proportional refund in respect of the cover you have not yet used less a cancellation fee of £52.50"

Since the premium was only £155, the cancellation fee equates to 4 months!
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post #4 of 16 (permalink) Old 23-06-2015, 13:34
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Quote:
Originally Posted by 100brian View Post
Hi


Just to let you all know DO NOT USE mhf insurance.
I insured my motorhome with them for 12 months sold motorhome and cancelled policy, over 3 months still left to run on policy they would not give a refund for the 3 months. will never use them again and will tell as many people as I can about the robbing barstards.


Didn't you read the terms of the policy before you agreed to them by signing up for it?
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post #5 of 16 (permalink) Old 23-06-2015, 14:00
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Under French law if you want to cancel a policy (up until very recently) you had to give 2 months notice and pay for it.... the law changed and you can now change to a different company within 15 days of the renewal notice arriving without penalty, or change within a month before the renewal arrives....

So, you are still in a better position than us....... but I agree reading all the conditions is essential if you want to avoid nasty surprises.....

Dave

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post #6 of 16 (permalink) Old 23-06-2015, 14:03
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Quote:
Originally Posted by 100brian View Post
Hi


Just to let you all know DO NOT USE mhf insurance.
I insured my motorhome with them for 12 months sold motorhome and cancelled policy, over 3 months still left to run on policy they would not give a refund for the 3 months. will never use them again and will tell as many people as I can about the robbing barstards.

You really do not understand how insurance works do you?

A big proportion of the premium is the initial set up and admin costs, the rest is the actual cover.

The cost of refunding what is left of that at 3 months to go would be more than the refund.

I don't particularly like insurance companies, BUT I don't expect them to act like charities either.
If you want full refunds of any outstanding premiums, you are going to have to look to paying much higher premiums in the first place.
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post #7 of 16 (permalink) Old 23-06-2015, 19:53
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Live in France and you can't even change company's without giving three months notice, as for cancellations forget it.

Wobby

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post #8 of 16 (permalink) Old 23-06-2015, 19:59
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Not true now wobby - see my post earlier, there are now three ways of changing introduced in January (all with French names which I can't remember), but 2 months notice (in writing) is one, or within 15 days AFTER receiving the renewal notice or within ONE MONTH of the renewal notice being due (i.e. before it is issued).

Our Bank Manager went to great lengths to explain these changes (in the hope that we would move our insurances to the Bank - which we would not do.....).

I have no reason to doubt his explanations......

Dave

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Any comments above are only MY OPINION and should be read as that.

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post #9 of 16 (permalink) Old 23-06-2015, 20:02
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Quote:
Originally Posted by 100brian View Post
Hi


Just to let you all know DO NOT USE mhf insurance.
I insured my motorhome with them for 12 months sold motorhome and cancelled policy, over 3 months still left to run on policy they would not give a refund for the 3 months. will never use them again and will tell as many people as I can about the robbing barstards.
Sorry but if you had taken time out to actually read 'the small print' I have no doubt you would have been aware of the situation in regard to a refund for time left to run on a policy. If I am not mistaken most insurance policies operate on similar principles.

Have you replaced your MH or just sold up and moved on to something else?

Ian
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post #10 of 16 (permalink) Old 24-06-2015, 14:56
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I just renewed for another year with them, today. When I changed my existing policy over to cover my new MH they were great: swapped it over and waived the charge to do so.


Cheaper premium by far than my other quotes plus RAC and legal for the price. I used the RAC once - great service.


Hopefully wont have to cancel though....


Graham

Donít argue with idiots because they will drag you down to their level and then beat you with experience. óGreg King




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