You call to request a quote to transfer an all ris...

You call to request a quote to transfer an all risk from another company to the Mutual. They tell you a great price and you take the bait. But of course, they cannot assess until the day before the entry into force. The day of the survey they say that you have an invaluable body roll to non-expert eyes, and that they do not insure you at all risk and only to third parties without giving other options. They say that if we had fixed the damage nothing would happen. This within 24 hours of the expiration of the previous one without reaction time. I have suggested to them (without charging them a penny), besides that they go where everyone knows, that for future occasions (with other clients, it is clear because I pass) they do two expert opinions. The first to see if there is damage and give time to react and the second the day before if they want). Fortunately, Seguros Pelayo has kept the policy for us even though it was canceled (that is, if it is still in force - last day). Thank you Pelayo insurance.