insurance claim no receipts

anubis68

i had my outhouse broken into and all of my fishing tackle stolen called the police got a crime number then called the co-op insurance gave them all the details and told them we moved not long ago and the box'es with all the receipts and paper work for various thing were destroyed in a flood we had in the outhouse as thats where they were stored while we sorted out the rest of the things in the house after the move knowing that they still sent out a form to fill out also told them i had no photo's
can they still turn round and say no receipts no payout?

crazyguy

You should be able to show a bank statement where money was taken out or a credit card statement wich ever you used in the original purchase.

They annoy you these insurance guys, Yes of course we all keep each and every single receipt we ever get, idiots the lot of them !

anubis68

always paid cash for the items as the tackle shops give you better discount for the items and for the smaller bits i never kept the receipts

crazyguy

Well surely you will have a bank statement that shows money withdrawn from the cashpoint ?

If not then its argue with the insurers time, I had it with a tv set and as I didnt have a receipt for it they created and tried not to pay up, I just persisted with them via email and phone and stated to them that mine was paid cash and it was 2 years previous so how would I have a receipt still, looked back and found a bank statement with money drawn from cash points and gave them that and they paid up.

anubis68

cheers mate will have a trawl through statements but most of it was over 6 yrs ago just one or two were in the past few yrs

crazyguy

Just make sure you keep on at them as they will do there level best to dodge paying out,

somalt

It is possible for an insurance company to decline if you can't produce proof of ownership. That can be receipts photos etc.

But the Ombudsman require that the take a reasonable approach, so wanting a receipt from something of a high value brought recently is reasonable. But it wouldn't be reasonable for them to expect a receipt from 6 years ago. And most people would have got rid of bank statement too after that time.

Chances are it'll be fine.