A pensioner unknowingly paid two LCL home insurance instead of one for 20 years

Without knowing it, a pensioner has paid for two home insurances for twenty years instead of one for his accommodation. It was her son who realized the mistake made by the bank, which was costing the old lady nearly 600 euros every year after her death. According to the family lawyer, the relatives of the victim are entitled to claim damages and interest in court.

Two home insurance policies for the same accommodation. It was the error that plagued the finances of a French pension for no less than twenty years. The victim has since died, it was his son who told the story, of which the old lady was absolutely unaware, RMC.

The retiree had taken out home insurance for his two-room apartment with the LCL bank. But without her realizing it, she finally paid two insurances for this apartment for twenty years. The total bill was like this 596 euros per year: 257euros for the first insurance and 339euros for the second.

Possible legal action for relatives

How can a lady who does not look at her accounts, who trusts, see that there are two subscriptions?, his son protests to RMC. We stole her, we took advantage of her for twenty years without hesitation. Contacted by the interested party, the bank presented its apologies and promised the family that the sums improperly received over the past two years would be reimbursed.

According to the Insurance Code, all actions arising from an insurance contract are time-barred after two years. Those close to the fuzzy retirement, however, have been advised by a lawyer, who thinks legal action is possible. This situation is perfectly abnormal, she explained. [L’assureur] failed in its duty to inform and advise. Damages and interests could thus be perceived.

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RMC contacted LCL who finally had to reimburse five years of insurance. But Eric claims reimbursement of the full amount and plans to go to court. The bank promised to come back to him with a new proposal by the end of the week, underlines RMC.

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