new for old insurance

Truegrit_2

Insco wins:T raskazz lost his bottel:eek:

mattymoo

Truegrit wrote: »

Insco wins:T raskazz lost his bottel:eek:

And Truegrit lost his spell checker

Truegrit_2

No just a heavy night on the drink:beer:

cot1198

well I did'nt think this thread was going to get this interesting. thanks to everyone who has posted you have helped pass the long weeks without my TV

truegrit thanks for the offer, I phoned L&G and they have said as long as the TV is picked up on Tuesday (I am having to take a days holiday from work as they cannot give a morning or afternoon appointment) they will push the engineer for the report and hope to sort the claim for the end of next week fingers crossed legs crossed the lot crossed.

As for the performance of my insurance company I can only go on my limited experience of claiming. As I have said this is my first claim with L&G in the four years I have been with them and my first contents claim ever.
I fully understand their need to properly investigate any claim and I have been fully willing to to assist in any way I can and as quickly as I can. I have provided all information and documentation requested, although I do admit I was waiting approx a week for my bank to get my statements as proof of purchase to me, but thats only one week out of five.
It took L&G a week from my first phone call to the claims line to phone me to go through what had happened. As for the time between them getting the documentation and getting back to me, I posted them registered post so I know when they got there and it was Tuesday 22nd july and I got the phone call informing me that an engineer would pick up the TV on Friday 1st August

I'm sure I could find a cheaper quote for cover and I think I may be looking when it comes time to renew my insurance

Insco

Cot - change if you feel you have had poor service on this claim, but don't change just for a cheaper quote - you get what you pay for in many cases. Consider an insurance broker to help you with your renewal? Once Insurers agree to release more qualitative data about their claims operations - percentage of claims they reject, number and percentage of claims referred to the Financial Ombudsman Service ( and upheld / rejected by the FOS), length of time that they take to settle claims of a certain value etc etc then a more balanced view on moneysaving vs service can be made by consumers - I am sure you would have paid a few extra quid if you knew that another Insurer would in all probability have got your claim sorted a lot lot quicker.

cot1198

yes I would but I also think this claim should have been sorted quicker than it has for the premium I pay L&G. I really do not mind them taking time to investigate the claim but there seems to be a lull before the next stage kicks in

cot1198

At last, had to ring them myself twice to get the matter resolved, engineers report says unrepairable so they offered me a £180 crt from tesco or ASDA.
I said is it the same make and model or even the same spec as my old TV, they said no it will probably be a beko or thompson one. I said that was not really new for old but they said because my old TV was a crt model these were the nearest models they could supply, but they could give me a cash settlement so I could put the extra money to it and get the TV I wanted. This is the option I went for. I now have a new TV in place. I'm still not pleased with the time it's taken to get the claim sorted, but the wifes' happy and and the kids are happy! what more can you ask for? I'm just glad it's done with

FlameCloud

Insco wrote: »

Cot - change if you feel you have had poor service on this claim, but don't change just for a cheaper quote - you get what you pay for in many cases. Consider an insurance broker to help you with your renewal? Once Insurers agree to release more qualitative data about their claims operations - percentage of claims they reject, number and percentage of claims referred to the Financial Ombudsman Service ( and upheld / rejected by the FOS), length of time that they take to settle claims of a certain value etc etc then a more balanced view on moneysaving vs service can be made by consumers - I am sure you would have paid a few extra quid if you knew that another Insurer would in all probability have got your claim sorted a lot lot quicker.

I'd be interested in seeing stats like this- including the amount of claims assessors are involved in, but thats mainly because I'm a stato. You know as well as I do though insurers wont release business sensitive info until they are force in law to do so, which I cant see happening anytime soon.

Assess_Saw

why won't insurers release this information surely they have nothing to fear by doing so?

cot1198

still not had settlement from L&G nearly two weeks settlement was agreed. When I phoned them to see what was happening I was told the claim had still not been passed to the correct department for processing. I can not understand why these things take so long, the only explanation I got was there had been a bank holiday