Help please - think this is an insurance question

kateab

If it's not, feel free to move to the correct board.

We had new windows installed November 2007 and I got the insurance guarantee back just after Christmas. A few days later, I heard that the company that supplied and fitted them had gone into administration. :eek:

Anyhow, fast forward to last week and there is a problem with one of the windows - it was open for a while whilst it was windy (but not the windiest it's been here) and when I went to shut it I couldn't do easily and had to force it shut, leaving a gap at the top. It looks like the bottom hinge is bent.

So, I dig out the insurance stuff and ring them today. The insurance company tell me that hardware is only covered for a year under their insurance. So, I ring a local repair man about doing the repair.

I get talking with him and he's just a little guy who is self employed but used to run a double glazing company and therefore had to have these insurance guarantee things. When he found out that the window was only 18 months old or so, he told me it should be covered under the guarantee so I tell him a year and he said "yeah, but I bet it was longer on Planet's original guarantee and they have to cover it for as long as that". So, I dug out the original one and all hardware is covered for 10 years!

However, the insurance certificate says 1 year or the same as the original guarantee WHICHEVER IS THE SHORTER. (They capitalise that bit).

So, is the little guy right or not? He was losing a bit of business by telling me that so I'm inclined to believe he made that statement in good faith as he has no interest in telling me to go to the insurance company because they will instruct their own repairers, but is he right? It's gonna save me just under £100 if he is and I'm taking redundancy as of next week!

Any help most gratefully received.

thanks

kateab

Quentin

The little guy gave advice in good faith, but didn't see your policy/certificate before giving it - from the quote you posted, it seems clear - one year was the maximum period covered.

Rotaxman

I had a similar problem, we had windows fitted, covered for 10 years, but when we had a problem after about 2/3 years, I called them up to be told they'd been bought out by another company, who had got fed up with mending the last companys problems and would charge me.

If the fitting company is no more then you can't chase them, so the only come back you have is the insurance and if that a a year only, then I'd say thats it.:eek: