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Cunningham Lindsay & Esure have done me up like a kipper!!

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  • mikey72
    mikey72 Posts: 14,680 Forumite
    Maybe we should consider a minimum payment then for total loss. Automatic cheque for say £50,000 contents if your house burns down. If would speed up the payment, and certainly simplify the paperwork.
    It would be up to the customer to prove the value if they wanted more.
  • I appreciate what you are saying but if someone is insured for £15,000 contents and they put a claim in for say £6,000,they think there will be no problem,well most people on the street do!!
    They don't know about 1 and 2 thirds,risk assessments etc!!!
    Money does not bring happiness...but if you are already happy it does bloody help! :rotfl:
  • Sally_A
    Sally_A Posts: 2,266 Forumite
    1,000 Posts Combo Breaker
    If you google "home contents calculator" several insurance companies offer help.

    I've just looked at the Legal and General one, but they seem to have missed off extras such as hobby stuff. Also noticed direct line and Hiscox had a similar link.

    The best thing you can do is an excel spreadsheet, and email it to yourself, so you can still access it say from you hotmail account, even if your PC has been stolen.

    Also bear in mind that clutter that you would not intend to claim for will also up the total value of contents on a New for Old policy, and could bring underinsurance into play.
  • mikey72
    mikey72 Posts: 14,680 Forumite
    Sally_A wrote: »

    Also bear in mind that clutter that you would not intend to claim for will also up the total value of contents on a New for Old policy, and could bring underinsurance into play.

    Kind of ruins the utmost good faith idea.
    If you never intended to claim for it, and the insurer would never have to pay, it's a bit hard to swallow the concept of them using it to avoid paying on the rest.
  • bouncydog1
    bouncydog1 Posts: 2,696 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I am sure everyone has clutter they "wouldn't claim for". However in the event of a total loss a lot of people will remember the clutter and put in a claim which they are entitled to do. (The £'s before eye's syndrome comes into play)! It is therefore up to the insured to make sure that the value of contents in the home is up to date and correct and that they are insuring for it. That way the insurer is receiving the correct premium for the risk they are taking.

    At the end of the day insurance for contents is not hugely expensive - unless you live in a high risk area.

    The problem is of course, is that there are always some people who will try to defraud insurers, which is why they appoint loss adjusters to deal with claims.
  • smilelols
    smilelols Posts: 178 Forumite
    Hiya
    Have to agree with Brownie4583 about Cunningham Lindsay. Have just been through 6 months of hell getting them to agree and pay out on my claim following a leak in my flat Went through serveral months of my emails and phone calls being ignored. One worker saying one thing, then my claim being transfered to someone else who automatically contridicted the person previously. Am just putting together a formal complaint about the whole process as everytime I raised an issue with what was happening and asked to speak to a manager to resolve issues, they refused to put me through!!
    And they always got my personal details wrong too!!!!!!
    :j Bought all my presents for this year (birthday and Christmas) now starting on next years!!:j
  • mikey72
    mikey72 Posts: 14,680 Forumite
    bouncyd!!! wrote: »
    I am sure everyone has clutter they "wouldn't claim for". However in the event of a total loss a lot of people will remember the clutter and put in a claim which they are entitled to do. (The £'s before eye's syndrome comes into play)! It is therefore up to the insured to make sure that the value of contents in the home is up to date and correct and that they are insuring for it. That way the insurer is receiving the correct premium for the risk they are taking.

    At the end of the day insurance for contents is not hugely expensive - unless you live in a high risk area.

    The problem is of course, is that there are always some people who will try to defraud insurers, which is why they appoint loss adjusters to deal with claims.

    I think the main problem is the other way round.
    Insurers no longer see insurance as a means for customers to protect their property.
    They see it as a way to make money, and employ loss adjusters to remember the clutter, and them add it on to get to the underinsured situation.
    If insurers genuinely believe under £50k is underinsured, they aren't acting in good faith if they sell a policy they know in advance they will cry foul on.
  • See my new thread 'Home insurance claim success'
    Money does not bring happiness...but if you are already happy it does bloody help! :rotfl:
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