Your parents were always at liberty to go to another insurance company at
any time they liked if they thought that the premium of £1054 was expensive.
In my experience, direct line, although having an absolutely superb claims
service, are in many cases, far from the cheapest and I would have been
astonished if you could not get a policy
for a fraction of what was being paid to direct line.
You would need to prove that direct line had not been charging their normal
premium for this risk and have grossly
overcharged. I assume that the total cost of £164 is with a different insurer.
You can report this to the Financial Ombudsman (not the FSA because this is
not an FSA matter), but to be frank, I think it unlikely that complaint will be
I'm afraid your parents were simply buying something at an expensive price
which they could have bought "round the corner" at a heavy discount.
I don't think the fact that your parents did not speak much English assists
you because they have lived in the UK for 60 years and clearly have taken these
policies out freely paying premiums.
I appreciate this is not the answer you wanted but there is no point in me
Can I help further?
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