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Insurance Excess
VikkiBadham
Posts: 4 Newbie
My first ever Thread, so be kind!
I've just got off the phone with my holiday insurance claims department, and i wanted to check that what the guy says is correct?
I've made a claim for some money stolen which belonged to me & my husband (what's mine is his & what's his is mine philosophy) we have a joint bank a/c & also my 11 year old son.
The bit thats annoyed me is that they have charged us £35 excess x 3 because the money belonged to 3 people, is this right? even though some of the money belonged to an 11 year old & the rest was just 'ours'? surely it should be just one excess of £35 to pay?
Thanks in advance
I've just got off the phone with my holiday insurance claims department, and i wanted to check that what the guy says is correct?
I've made a claim for some money stolen which belonged to me & my husband (what's mine is his & what's his is mine philosophy) we have a joint bank a/c & also my 11 year old son.
The bit thats annoyed me is that they have charged us £35 excess x 3 because the money belonged to 3 people, is this right? even though some of the money belonged to an 11 year old & the rest was just 'ours'? surely it should be just one excess of £35 to pay?
Thanks in advance
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Comments
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What does it say on the policy - the small print.0
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Just says £35, doesn't say per person as far as i can see.0
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Without being nosey, why did you not just make the claim for one person?
I see your point about it being from the same bank account, but if you got your purse stolen whilst shopping you would report it to the police as a crime against yourself, not you and your husband.Gone ... or have I?0 -
couple of years ago i claimed for a cancelled holiday and was charged 3 x excess so i would say thay are proberbely right0
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couple of years ago i claimed for a cancelled holiday and was charged 3 x excess so i would say thay are proberbely right
The difference there is that there were three of you travelling.
Surely money can only be in the physical possession of one person at a time?Gone ... or have I?0 -
Naive i guess, filled in the claim form and when asked owner of currency put me & hubby for X amount stolen & my son for x amount (used 2 lines)?0
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so you made 3 claims not 10
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No, just the one claim but was very honest, some of the money belonged to me & hubby & some to my son.0
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Maybe get it down to two claims? Your hubbies money is yours and vice versa!
You gave some of your money to your son to lesson the risk if you got robbed. Better to spread it thin than keep it all in one place.
It's still only one policy though? Did you get a family policy or 3 separate ones?
If it doesn't state an excess per person and it's just the one policy, I think I'd argue that it should just be the one payment excess not 3.
vipes0
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