Home Insurance Discussion

galanins

Can any one tell me, can i get home insurance after three claims?

galanins

No body can help me?

dacouch

galanins wrote: »

Can any one tell me, can i get home insurance after three claims?

Can you list the month and year of the claims.

The type of claim eg theft and approximate value of the claims

Pedro611

Having recently renewed my home insurance policy 3 months down the line my son decides to spray my tv with flash and inadvertently cause some serious damage.

After reporting this to my provider Principality they arranged to collect Tv and £100 excess.I wasn't overly bothered as I was under the assumption this was pretty straight foward claim .fixable it would be fixed or un fixable replaced.

Once tv was collected after a week and the report came back from the engineers .They concluded that no visible water damage was apparent and the the damage was common with this model.The problem was wear and tear the part required was not available anymore and was unrepairable.

This gave the insurers perfect reason to not do anything but decline my claim which after many hours disputing this and getting nowhere I was told to investigate further if this was a common fault with this particular model and that the TV would be sent back to me and that if i wanted to carry it further to get an independant engineer to asses.I phoned LG to be told that infact this wasn't at all a common fault with this product and sounds exactly like a water damaged product.

My main problem is
1. The claim is genuine and saw the results of my son destruction before my eyes

2.The report was made once the water had dried up and I imagine only the circuits on the back and not the screen to the front were inspected so not to show any watermarks.

3.Clearly this is a perfect opportunity not to pay out the £600 the TV is worth.

I feel I'm being done good and proper can someone please send the in the right direction to get this claim investigated further

dacouch

Have you asked LG to confirm what they said in writing?

joostadeusz

Homeowners insurance is a necessity if you want to insure that your house and your belongings are safe from fire, theft, vandalism, and weather damage.

Ugi

Apologies for the long story but you need the background to see what I'm getting at:

We had a burglary recently. Nothing too unusual - they broke a window, ransacked the study and bedroom and took some cash and jewellery. However, it was significant enough that they sent a loss adjuster around.

Part of the process with the loss adjuster was to total up the value of the entire contents of your house. TV, books, carpets, furnature, clothes, everything. On a new-for-old basis. The total is more than you would think and probably more than you paid for that stuff, especially if you are on MSE and like a bargain!

I was quite lucky - our total was just a little over what we were insured for and although we haven't received anything yet, the adjuster thought it would be no problem. However, here's the dodgy bit:

When you get buildings and contents insurance with Esure, they recommend an amount that you need for contents based on the rooms in your house etc. The adjuster said that I was unusual because I was covered for nearly the right amount where most people who use Esure's recommended amount insure for too little (I had increased what they suggested by 50% and that was not quite enough).

However, if you are significantly underinsured (<75% was mentioned) then they refuse to pay the whole of your claim! At lesst than 50% then they can refuse to pay at all!

To my mind, this is very bad practice by Esure:

They can recommend an amount, in which case they have to accept that the amount they propose is sufficient and pay out up to that amount; or

They can require that you be fully insured, in which case they should not tell you how much insurance you need.

If they do both of the above then they can just cheat their customers by recommending too little insurance and refusing to pay the claim due to underinsurance.

Now I would not like to say that they do that - I have too little evidence for that. However, the loss adjuster said that I was unusual in having enough cover. That could mean that they are reducing their payout significantly by this practice.

Has anyone else had experience of that with Esure?

Ugi

dacouch

There are many many instances of people having their policies cancelled and claims refused by esure and sheilas wheels on MSE and the rest of the web.

There low suggestions for sums insured certainly concern me especially as the first thing their loss adjusters do is check to see if the customer is under insured so they aware of the problem.

If you do a search of MSE (especially if you search under "sheilas wheels") you will find lots of people who have lost thousands

Ugi

Thanks for your reply.

I understand that they refuse people who are under-insured. What concerns me is that they recommend an amount that you should be insured by and then claim that you are underinsured when you come to claim. They appear to be judge, jury and executioner!

The loss adjuster was from an independent firm and said that most other insurers were much less exacting about the issue. Esure seems to be unique, or at leat unusual in this respect (this was home contents so I guess Shiela's wheels was not likely to figure).

dacouch

Sheilas wheels offer home insurance and are part of the same group.

https://forums.moneysavingexpert.com/discussion/comment/42095186#Comment_42095186

https://forums.moneysavingexpert.com/discussion/comment/38293206#Comment_38293206

https://forums.moneysavingexpert.com/discussion/369795

https://forums.moneysavingexpert.com/discussion/3409823

https://forums.moneysavingexpert.com/discussion/1550247

https://forums.moneysavingexpert.com/discussion/1294683

https://forums.moneysavingexpert.com/discussion/2373975 post 12 esure are the same company

http://www.consumeractiongroup.co.uk/forum/showthread.php?285443-Esure-Blatant-voiding-of-insurance

http://www.consumeractiongroup.co.uk/forum/showthread.php?320978-Esure-Blatant-voiding-of-insurance

Just a sample of the people caught out by the esure group, I can't see how their approach of suggesting a sum insured grossly under the averages for a normal home as a sum insured at quotation stage and then actively looking during a claim for under insurance sits well with the FSA's Treating Customers Fairly