Digital Camera Claim Part 2

ashcarrot

Okay i've managed to get it past the quote for repairs and now they send me the following:

Unfortunatly from the information we received it would appear that this claim falls within the following exclusion:

Coverage is in excess of any other applicable insurance of idemity tgat you might have in place. As coverage is limited only to thoise amounts not covered by any other insuace ... blah blah ...need to claim on you household insurance first etc etc..

HOWEVER. I've already sent them my Home Insurace Policy schedule which clearly say (like on the first page not even hidden i even highlighted it)

Section 4 Contents Accidental Damage Included: No - Not applicable.



I phoned my home insurance and all they said they could do was send me the same document again and possibly allow them to phone up to confirm (i couldnt get any specific letter) if im on the phone which the insurance company (SOS Insurance on behalf of Egg card) said wouldnt be sufficient.

I dont understand why they dont accept that policy letter and they didnt give me any real reason apart from its not enough. I've emailed nationwide (my home insurance) to see if they can help but keep getting auto reponses and none from a human to date.

Any ideas what i can do next, Im considering an official complaint? If i put in a official claim surely that would affect my premium and be rejected possibly with out a letter anyway.

gordikin

Where is part 1?

ashcarrot

https://forums.moneysavingexpert.com/discussion/2507165

Part 1 is probabily my fault though still a pain in the neck. Just getting annoyed how it seems to be so difficult for such a straight forward claim.