Claiming for freezer foods?

boychild

Came home from work late Wednesday night to find the fridge freezer had packed up and all our food was thawing out. I had only been shopping on the Monday so it was full and I'm struggling to replace it. Have contacted insurance who said they will cover the freezer food up to £250, as long as i provide a comprehensive list of the food lost with approximate prices, and receipts if possible. I dont keep receipts for food shopping, so dont have those and i reckon the food lost in total will amount to around £180. My policy excess is £50 i have never made a claim on any insurance before. Im thinking of going ahead with the claim but just wanted advice from anyone who has had a similar issue, whats the likely hood of getting the full amount back (less the excess), ive a 1yr old daughter and cant afford such a large loss espcially with current rising food prices.

wornoutmumoftwo

Mine died on me once, sent the insurance company a list of foods and got paid, I don't think I had any receipts though.

Send them the ones you have though.

dave_behave

Double check to see if the xs actually applies... often it doesn't apply to freezer food claims because their is a limit.

newcastlebelle

1. pile all the food up in the garden and take a photo of it, list contents with approx cost to replace.

2.expect to have upto 25 % added to your premium next year if you claim ...is it worth it after the excess is deducted ? [you'll have to declare that claim for three years, so effectively your premium will be high for that period too]
I didnt think so in feb when the same thing happened to me.

gazza975526570

newcastlebelle wrote: »

.

2.expect to have upto 25 % added to your premium next year if you claim ...is it worth it after the excess is deducted ? .

i wouldnt go with the 25% increase. If you havet had any other claims in the last 3 years personally i would claim. Send a list, with any receipts - tbh some insurers will settle over the phone when you call with the details

Oscar_The_Grouch

Errrmmm - Have you got a Clubcard/Nectar Card? Did you buy all your shopping from a store that gives you one of these cards? If so, give their helpline a call and tell them what has happened. They should be able to tell you exactly what you have purchased over the last month - how else do you think they send you coupons for things you never buy? It's because they know exactly what you shop for!!!

Give it a go.

newcastlebelle

not had a claim for 20 years, been with the Pru for 10 and they said if I claimed this year, would put premium up by approx 25% next year

FlameCloud

I hate dealing with food claims. You know full well most of them are exagerated, buts its incredably hard to ever prove it.

Insco

Nice to see you treating your customers fairly then Flame

FlameCloud

Indeed. but you do however know what I mean.

Insco

No I don't. Please explain your comments, especially in relation to the original thread - how are you helping boychild?