Claim been refused - help!

dacouch

Insurers accept proof of ownership / purchase.

The woman from Barclays saying they will replace any item under £500 without proof of ownership is not totally correct as there will be some claim or parts of claims where they would insist on proof of ownership

Just_mommy

What do you mean Insurers accept proof of ownership/purchase? I dont understand you

Brodiebobs

exactly dacouch.... you have to think that although its unfortunate it happens to you the cost of insurance would go sky high if everyone who called said they'd lost a 6k diamond, or 5k laptop and the insurance company never asked for proof, and paid out. Then you'd be complaining about cost....

Yes i do keep receipts for everything i buy of value... not especially incase i have to claim, but incase they breakdown!!
no insurance companies wouldnt expect to see proof of every purchase in you fridge, but on the flipside if you rang and tried to claim for a fridge of whole salmon worth £600 they might ask for proof. Its all relative.

Brodiebobs

proof of ownership could be the charger or box for your laptop. Proof of purchase is the sales receipt or invoice.

iamana1ias

Just_mommy wrote: »

What do you mean Insurers accept proof of ownership/purchase? I dont understand you

A photo of you clearly wearing an item of jewellery and a fur coat, while standing next to a Renoir in your bedroom could prove you had those items in your possession. Keeping the box to your TV can show that you own it. A credit card statement showing a payment to TVs R Us can prove you paid for it.

You don't always have to keep the receipt. But yes, I file every receipt for every purchase and every valuation certificate away. You never know when you'll need it.

Just_mommy

Ok I know im asking lots of questions but you seem to be up on the minds of insurance companies so I hope you dont mind?

What if you have something stolen from you that you have no receipts for? Would it be sufficient that you have a crime report which states they have a witness statement from someone saying they witnessed the perpotrator taking the goods??

Brodiebobs

dont want to be giving people ideas but yes it probably would be sufficient, depending on you insurance company and your relationship with them.
A frequent claimer/ attempted claimer would be more likely to get investigated though.

dacouch

It would also depend on the item, if it was say a Rolex (Insurer get a massive amount of fraudulent claims on Rolexes) they may find it off that you had not kept a receipt due to the value of the item or they might find it unusual that say a person who is on a low paid job and lives in a council house has that item. They may then investigate it more or insist on more proof

Just_mommy

That is interesting to know thank you!! As you can tell I am a little anti insurance companies, I just think there are too many get out clauses. Nothing personal about any of you that work there. I do think though that every claim should be assesed on a case by case basis. I personally have never ever claimed on my insurance in the 5 years I have been with Barclays, infact i've never claimed at all in the 11 years that i've had insurance!!

dacouch

Did you buy your cover from Barclays in their branch or on the internet by any chance