Claim been refused - help!

Brodiebobs

exactly dacouch... i think some people forget how much their insurers know about them, you tell them about your home, where it is, how many rooms, your belongings.
Also there is a insurance data base so your claim record etc can be checked. So if theres any doubt about the validity of your claim all avenues can and will be looked at.

dacouch

I was not having a go at council tenants, it was an example of what might make Insurers investigate a claim more.

Brodiebobs

I know you dont tell your salary but job title can be enough... i also live iin an ex-council house and have nice things so cant really comment but in the majority of cases, much like everything else your prejudged. My company often if a claim is investigated send someone to your house and that it itself can say alot because they will see you have nice things, car etc whereas if they go to a one bed flat with a box for a chair, they obviously cant afford a rolex... you catch my drift.

Just_mommy

Thats discrimination though surely?

Just_mommy

Thats a fair point Brodiebobs. Im not even going to attempt to argue with you on that one because its true!

Brodiebobs

not really. im not saying that if you live in a council house you'll be investigated... just if theres cause to doubt your claim its taken into consideration. As if you live in a 1million house but companies in liquidation etc.. etc..

Brodiebobs

thank you lol...

Cookhamite

Most interested in your posts - I feel the same as Just Mommy, that there's always a get out clause from the insurance co's. On the other hand - yes I will peruse every detail in the insurance p/w from now on. And get things regularly valued!
As I most certainly will not be going back to the current ones - they were definitely not IN TUNE with me... would anyone like to recommend one? Maybe you insurance people?!

rudekid48

There can be other reasons that tweak the suspicions of Insurance Co's. This is a real example of what happened to someone I know (and this really is someone I know - not me!).

My mate managed to send his nice new shiny laptop sailing through the air whilst celebrating goal no 4 during the Man U vs Liverpool match last season. A combination of gravity and spilt lager left his laptop with a cracked screen and sticky (but tasty) keyboard. It was useless. He was quite prepared to accept the loss due to his still jubilant mood until someone else pointed out that he may have accidental damage on his home contents insurance.

So, he duly phones the Insurer and they say "yes, no problem. All you have to do is either get a damage report from a PC specialist or send it in to us and we will either fix or replace. We'll send you a form out."

Form comes, he fills it in & sends it off. BUT. He then decides that he doesn't want to take his laptop to a shop or send it to the Insurer and has several subsequent arguments that they should just pay up as it is a genuine claim, he can provide proof of purchase and also photographic evidence of the damage - what's wrong with that?

One thing leads to another and he gets a 'visit' as it now apparently looks like a dodgy claim.

He then has to sheepishly explain to the female assessor/investigator that his reluctance to supply the laptop was due to his unusually large collection of specialist "gentlemans entertainment" movies on said laptop.

Anyway, they all have a good laugh at his expense and he gets his new laptop - a happy ending all round. As a bonus, his new laptop also had a HDMI connection so that any future specialist movies could be observed in glorious HD with surround sound.

So you see how easy it is for genuine claims to look dodgy?

dacouch

Friend was it...lol