Bike stolen - I am not happy

dacouch

Ask Aviva to explain fully in writing why your bike is not covered and specifically anywhere in the policy that they are relying on

asbokid

rev_henry wrote: »

Had a call from aviva yesterday to say I'm not covered, the first person I spoke to was wrong, surprise surprise

This is why I only ever get cover from the well known insurers

Always avoid the tinpot outfits like "Avala" or "Most Th>n".

rev_henry

dacouch wrote: »

Ask Aviva to explain fully in writing why your bike is not covered and specifically anywhere in the policy that they are relying on

I had a call from a complaints person who has offered me £50 compensation which I gladly accepted. Bearing that in mind should I still do this?

rev_henry

Right well I've had the letter and the cheque. I did call back and ask him to explain why my claim was rejected in the letter, but he appears not to have done so. Is it worth pushing this further? The complaints leaflet enclosed said if I wasn't happy I could contact the department concerned again (i.e. him) or the Chief Exec, followed by the Ombudsman...

Meanwhile I've filed a claim with my mother's home insurance company, but they're even more useless - apparently it takes them a week to find out if I'm even covered...

dacouch

Contact the person and ask them to write you a letter explaining why the bike is not covered and exactly what wording in the policy they are using to decline the claim. The person won't like composing such a letter and going to the trouble of finding the exact wording so it might make them pay the claim.

If that does not work send a letter of complaint, keep it concise and to the point, a timeline of events would be helpful

rev_henry

Ok I'll do that. Thanks.

passatrider

Don't want to dampen your spirits but isn't accepting the £50 compensation losing your rights to take this matter further? I'm sure someone will be along to confirm this?

rev_henry

passatrider wrote: »

Don't want to dampen your spirits but isn't accepting the £50 compensation losing your rights to take this matter further? I'm sure someone will be along to confirm this?

I had that thought, but apparently not. The letter from aviva saying 'here have £50' also says 'if you're not happy you can go to the ombudsman etc etc...

passatrider

rev_henry wrote: »

I had that thought, but apparently not. The letter from aviva saying 'here have £50' also says 'if you're not happy you can go to the ombudsman etc etc...

Fair enough. I would take it to the ombudsman then as it seems you have been treated unfairly to be honest.

Good Luck!:)

rev_henry

I've had the letter setting out why I'm not covered and it directs me to the policy booklet which clearly contains an exclusion 'if you live in a self contained flat and the theft occured from a part of the building to which other people have access.' Or words to that effect. I just wondered if it says 'public' as it could be argued that the public have no access to any of it, but it says other people. Should I just push the complaint further to annoy them into paying up?