Lloyds TSB / Lifestyle Insurance - changes to policy. Where do I stand?

nish

Hi

Having trouble with making a claim on my insurance and would really appreciate some advice if possible please.

I just tried to make a claim online for a phone that I dropped and smashed.

I was told that the excess would be £100.

I remember getting a letter off them recently saying it would increase to this after November 2nd 2011.

I just double checked on their website and it basically confirms it:

http://www.lifestylegroup.co.uk/lloydstsb/Information/ChangesPolicyExcess.aspx

I told this to several advisors (after being on the phone to 0845 numbers for the best part of an hour). They said that because my account is a silver account that these changes had been made already in April and that I would have to pay the excess of £100.

However I was not informed of this. I only got the letter stating basically what is on the website link above a few weeks ago. It does not specify between silver / gold / platinum account.

Does anyone know if I have any rights on this at all please?

Thanks

Nish

pcombo

You dropped it your fault, even though lloyds cover this you cant be expected to get it all for free.

Just pay the £100 if the phone is worth keeping.

bod1467

But there's a point of principle - if the policy change is not yet in force, or an earlier change has not been notified (Company would need to prove they notified) then the excess charge is not valid.

IMHO of course.

ThumbRemote

pcombo wrote: »

You dropped it your fault, even though lloyds cover this you cant be expected to get it all for free.

Just pay the £100 if the phone is worth keeping.

The usual rubbish spouted from the usual rubbish poster. The OP isn't expecting it for free.

nish, I'd start dealing in writing at this point if they are so poor over the phone. Send copies of your policy details with the excess highlighted, as this is what you paid for.

lincroft1710

Every time you get a bank statement from LTSB there is usually at least one leaflet, booklet or single piece of paper with some info on it. Are you sure the excess change wasn't on one of these.

wealdroam

OP, you might get more answers on the Insurance board.

visidigi

PLEASE tell me you have the phone registered with TSB? They are horrific at honouring these policies - make sure you take screenshots of everything and get your claim in writing to them so that its dated accordingly.

They are trying to get out of it, its an iPhone, its expensive for them to replace...any excuse for the insurance company...

nish

Hi

Thanks for the replies. Except for pcombo obviously.

I do have the phone registered with them yes thank you.

Im going to go into a branch tomorrow and see what they say.

I had a letter from them only recently but it just said the same as the internet link.

Will try the insurance board too.