Please be alert to one of the insurance industry's latest scams.
I got a buildings/contents insurance renewal e-mail, full of wonderful extras to distract from a rising premium. It said it would auto renew if I did nothing, but I should check the cover was still appropriate by logging onto my online account (which I hadn't previously created).
I called to query the increase...and was told that they'd changed the terms of the cover to require a monitored-base alarm system to be installed. We have an alarm, it was in the house when we moved. It's comprehensive but lacks call-to-monitored-base. Not good enough apparently. I asked how I would have known if I'd let the policy auto renew and was told they'd sent me an e-mail to that effect. I said I'd had nothing other than the renewal notice and was told that if I logged into my account it would tell me.
So, I created an account and logged in and looked at all the documents and could find nothing about it.
Later that day I got an email specifying that I needed a compliant alarm within 30 days or cover was invalid.
I've changed provider, but the point is that if I hadn't called I almost certainly wouldn't know, and although the renewal did say to check cover, it didn't say that a major term was changing and I could be left with invalid cover. The change probably is buried in the website pages somewhere, but I couldn't find it and I was specifically looking for it.
So if you are with eSure you're at risk of this:
"Hi, I want to claim on a burglary"
"Oh dear, was your alarm set?"
"Yes"
"And did the monitoring people turn up within the specified response time"
"It's not a monitored alarm"
"Your insurance is invalid"
I expect they're not the only ones.