Insurance rip-off?

[Sandancers]

When my house insurance came due for renewal in February I did as I normally do and took out Legal Assistance cover.

When my car insurance came due for renewal in early March I asked the underwriters if my house Legal Assistance would cover any legal help I might need with respect to the car. "No", they said, "two different types of cover." So I took out Legal Assistance on the car.

Today the renewal for the MH insurance came through and it had Legal Insurance included. "Hah" I thought, "Don't need that as I have motor Legal Assistance on the car." So I emailed Caravan Guard to make sure that I was correct and they told me that their legal cover is included as standard and cannot be removed, for which I must pay £19.

Hence the feeling of being ripped off !

 

[Podney]

No,you haven’t been ripped off. Anyway it’s only 5p per day.
The cover on the household policy is different from the cover on the car policy.
The cover on the motorhome policy was clear to you when you took out that policy.

Cant see the problem really.

 

[busbuddy]

When I was with caravan guard the recovery was included which couldn't be removed but their t&c's excluded my motorhome and they just couldn't understand the irony
They have changed their t&c's now but I'm insured elsewhere