ins will only replace one chair? is this right!

gazza975526570

Not quite sure why you would be calling IOB

Firstly see what the chair they send/order is like - if its the same as the one damaged then there is no problem surely.

If its different check your policy conditions - if it states only the damaged items will be replaced then little fursth you can do im afraid. You may be able to get a cash settlement of the appropriate price instead tho.

cellblockpch

the suite has been discontinued so there is no matching chair available.
the only booklet/policy i have ever recived has been from the principality building soc this is prob just me being dumb but i didnt even know that i was with royal sunalliance until now (as i pay it with my morgage through principality & was sold it by the principality building soc i also assumed i was insured by them.)
as for the no claims bonus bit,i thought that was just for cars!

ben500

Andy_L wrote:

If it was the neighbours fault surely you should be claiming off thier insurance, preserving you own no claims?

You cannot claim from another policy holders insurance, you cannot claim from your insurers damage which has occurred to another policyholders property, the method is the policyholder's each claim from their respective policies, in the event one is liable for the damage the other insurers will counter claim, in practice this occurs very rarely as most people do not willfully or neglectfully damage anothers property and this is the criteria that needs to be fulfilled to satisfy a counterclaim.

ben500

gkf wrote:

We had accidental damage to a sofa and our insurers direct line said they would only pay to replace the sofa. As the suite had been discontinued by M & S and it was a cloth one so hard to match, I complained and they checked their records and said that as we had been with them for years and never claimed before they would then cover the cost of a replacement suite.

The proximate cause of this incident is escape of water and not accidental damage but a few calls nagging the insurance company and mentioning the iob may well result in a better offer although I very much doubt the cost of replacing the entire suite will be met,

ben500

hells wrote:

Tip: Get yourself a policy which has unlimited cover, like M&S/Halifax.
!

I think if you check your policy wording you will find the term "unlimited" refers specifically to rebuild costs in the event of total loss due to fire or catastrophe etc, this does not extend to contents, I am not aware of a single contents policy which has unlimited cover and I am familiar with most if not all currently available policies.

ben500

cellblockpch wrote:

the suite has been discontinued so there is no matching chair available.
the only booklet/policy i have ever recived has been from the principality building soc this is prob just me being dumb but i didnt even know that i was with royal sunalliance until now (as i pay it with my morgage through principality & was sold it by the principality building soc i also assumed i was insured by them.)
as for the no claims bonus bit,i thought that was just for cars!

Your policy will almost certainly state in the event an identical match cannot be made the nearest possible match will be offered or a cash alternative to contribute towards total replacement, any offer of a percentage towards costs of replacing undamaged items is of a goodwill nature and not enforcable even by the IOB.

Gingham_Ribbon

cellblockpch wrote:

Thanks for the link i will check it out.
yes i do have building covered with them as well.
i havent started talks over carpets with them yet as i apparently need a dry certificate (which is going to take about 4 weeks)first then the loss adjuster will come back to discuss (try to get out of paying for) "floor coverings"

If they've said it was contaminated water it seems a bit much that they're making you go through all this.

dunstonh

To be fair, we know nothing about the insurance policy. If it was taken out 15 years ago, then this is around the time that bedroom rated policies were starting to arrive so it could well be an older "specify" type policy. Indeed, you could still easily pick up home insurance plans then that were not new-for-old.

If only one chair is damaged then they only need to replace that one chair. If the suite is quite old, then that would explain why you are not getting a full suite replacement.

Royal Sun Alliance, or More Than to use it's current general insurance trading name, do have a pretty good reputation although most of that is gained on price and a successful advertising campaign that has told people that they are good and people believe that. I very much doubt the policy is on comparable terms to their current retail product. You are probably paying well over the odds for a part obsolete policy. Indeed, I wouldnt be surprised if you were to obtain a More Than quote, it would be cheaper and better cover than what you have already.

Astaroth

ben500 wrote:

You cannot claim from another policy holders insurance

You certainly can claim directly from someone elses home insurance if they are liable for the incident. Not everyone has things like home insurance and so if your theory was true you would effectively be saying that you would never be able to get the money back.

It is more common to go via your own insurance, as it is with people with comprehensive motor insurance going through their own rather than direct with the TPI but it does not prohibit the direct method.

Of cause with home insurance type claims it is massively more difficult to actually proved negligence (eg prove that they knew the washing machine was faulty and it isnt just "bad luck") therefore it is often wiser to leave it to your insurers if you have that option.

ben500

Astaroth wrote:

You certainly can claim directly from someone elses home insurance if they are liable for the incident. Not everyone has things like home insurance and so if your theory was true you would effectively be saying that you would never be able to get the money back.

It is more common to go via your own insurance, as it is with people with comprehensive motor insurance going through their own rather than direct with the TPI but it does not prohibit the direct method.

Of cause with home insurance type claims it is massively more difficult to actually proved negligence (eg prove that they knew the washing machine was faulty and it isnt just "bad luck") therefore it is often wiser to leave it to your insurers if you have that option.

Go ahead and try.