lunaCH gave positive reputation to a post in a topic: House insurance after buying a house from previous owner
dessi posted a topic in LegalI bought a house in February this year. Provinzial, the insurance company of the previous owner, contacted me by letter shortly after I moved in, to which we replied saying we would not be taking over whatever policy was on the house. Unfortunately this was not sent by registered email and Provinzial says they have no record of it. Upon moving in, we signed up for a new policy with another insurance company and life went on. Until a month ago when Provinzial called us (not sure how they got our phone number) to tell us that we owe them money. They claim they never received our letter and that they have been sending us multiple letters since (upon further enquiry during a face to face meeting, they admitted they sent these letters to the previous owner and not to us). Apparently since then, and without letting me know, they have renewed a policy for another year. They also cannot tell me what exactly they renewed because the previous owner had a full insurance package (house, car, life, etc.) so that is not directly applicable to me. Has anyone had this kind of experience when buying a property in Germany? And what my rights might be in this situation? I unfortunately don’t have a legal insurance and while I understand it may not be worth fighting for a relatively small sum, I don't like their their lies (claiming they sent me multiple letters after the first one but later admitting they sent them to the previous owner).