Home Insurance claim - for new boiler

cogito

mattymoo wrote: »

The answer is fairly simple. At the end of the day, you are going to have to get the work done whether you are covered or not. Proceed on that basis.

True.

You're depending on the goodwill of the insurers here as the policy is intended to cover specific events rather than those occurring over a period of time. Your best argument is to point out that you could not have known about the existence of the leak and took action as soon as you became aware of it.

It might also be worthwhile getting a second opinion about the need to replace the boiler. British Gas just love to condemn boilers that are perfectly serviceable. Just ask yourself why.

Quentin

MikeyC123 wrote: »

small claims fees are generally low too. :-)

Fees for a hearing over £3000 would be around £450, the hearing would be at your local court, but if you lose you pay the defendant's travel/accomodation/loss of earnings!

97trophy

You have no valid grounds to pursue the insurance company. The are fully covered by the wear and tear clause.

MikeyC123

Thanks for all the replies. Having been to small claims a few times as a claimant (and won) I will go through this route but only after I have given them chance to pay up. Judges like the nice paper trail also that shows you tried every other possible option and have been patient.

As for is there a case to answer we shall have to wait and see. If a pipe freezes and cracks at a join then thaws and leaks slowly for a year resulting in damage is that wear and tear or damage by freezing ? How can you prove it was frost damage that caused it. You cant ,you say frost damage caused it that's covered, they say damage over time/wear and tear. (The frost is just an example).Only a 3rd party can make a ruling in that scenario, that is what this will end up with.

I will let you know the outcome in a few months.

Quentin

You say you intend sending two million letters before embarking on the court action. It will be cheaper to go straight to the court - as whatever the outcome, at least you won't have to pay upfront for the two million stamps (£720000.00 if you use first class, and they don't put them up during the course of the correspondence)

MikeyC123

lol, well obviously that is a slight exaggeration but to embark directly on small claims means you have not tried other methods first, so I will jump through the required hoops and fax online for free thus saving the stamp charges :j

MikeyC123

Well, as it turns out it took, 2 letters, 2 faxes, 6 phone calls and 3 emails and today I received a cheque for the full amount. There were even notes on my claim file from RBS asking Direct line why they were honouring the claim, but they did.....in the end.
Very happy . Thanks for replies...

...never give up !

jinglespringles

Hi All,

I need a little help and wondered if anyone had any thoughts or advice on this problem?

My daughter was walking down the stairs with my laptop and triped over the battery lead, consquently dropping the laptop!

I have contents & accidental damage insurance with L&G through Elephant.co.uk. I phoned Elephant to make a claim and they passed this through to L&G.

I phoned L&G today to find out what was happening only to be told i was not covered because it is a laptop and not a home computer. A laptop MAY be taken outside which is covered under a different section to which i am not insured. As i did not specify that the computer systems within my home are laptops i cant claim!

According to L&G and Elephant this is explained within their policy booklet. I have been over this booklet and this is what it states;

Section 2 Contents; loss or damage to your contents whilst in the home during the period of insurance

a) Accidental damage to;
televisions, satellite decoders, audio and video equipment, radios, home
computers, video cassette recorders, All situated within the home.

Accidental damage to the contents within the home, happening during the period of insurance.

I have checked and double checked the booklet and there is no exclusions or anything stating that laptops are not covered under home computer sytems and you have to specify that you have 1.

I asked customer service if this means that my childrens nintendo ds's and psp are covered and they said YES!

I really dont understand what is going on with my insurance and i would very much welcome any thoughts or advice

Thanks
Jingles

Zinzan

MikeyC123 wrote: »

Well, as it turns out it took, 2 letters, 2 faxes, 6 phone calls and 3 emails and today I received a cheque for the full amount. There were even notes on my claim file from RBS asking Direct line why they were honouring the claim, but they did.....in the end.
Very happy . Thanks for replies...

...never give up !

Hi there, I maybe in a similar position, what exactly did the letters, faxes, emails etc consist off for them to change their minds? Thanks