I don’t know if I mentioned how unimpressed I am with Ing Novex, our house insurer. This letter refers to the two floods that happened last year, which to a layperson looks like the same flood, parts 1 and 2:
REGISTERED LETTER Dear Insured, As we have already advised your broker, we will not be offering a renewal for the above mentioned habitational policy from the expiry date shown. Your broker may have already arranged insurance through another company for you. However, you should check directly with your broker in this regard. This letter is written in accordance with the guidelines set down by the Insurance Act, so you will have proper notice of the fact that this company will not be renewing the above numbered policy. This Habitational policy is being lapsed due to 2 or more claims in the past 5 years. Yours truly, Underwriter
We’ve been claims free for 12 years, apart from these floods, and the two floods were caused by the city. They’ve also recovered all costs from the first claim from the contractor hired by the city, and will probably recover all costs from the second claim too. I could say a lot more, but I’m very, very unimpressed.