freezer loss - excess

jojoellen

I recently had a my freezer breakdown and lost everything.
My insurance document says that they pay out up to the value of £300. I rang them and was told that my excess was £280!!! Does anyone know why they do this or how they get away with it?????:mad:

phill99

They get away with it because you agreed to it.

TSx

Generally, the excess should be applied, then the limit - so if you have £500 of food, they'd pay out £220 (assuming you could prove £500 worth of food).

Is this a home policy? If so, you're excess is going to be the same (usually) regardless of if its £10 of freezer food, or your entire house burning down... If you want to be able to make small claims, choose a smaller excess

jojoellen

I will from now on read the small print!!!!

FlameCloud

jojoellen wrote: »

I will from now on read the small print!!!!

Its not really small print, you tell them what you want it to be when the policy is taken out. There is no one to blame but yourself.

Sally_A

Read your policy again....often the excess under the deterioration of stock is less than the standard policy excess.

Other than that, food will keep for at least 24hrs in a broken freezer, you may need to do a mega bake fest, ie cook the frozen meat and make cottage pie base, sweet & sour pork base, a frozen chicken can be cooked, sliced and re frozen, so it is not all doom and gloom.

On the bright side, a freezer breakdown gives you a mega pointy kick up the jacksy, and you could end up with a months worth of pre-prepped meals.

Ice cream and similar is a bit of a nightmare, but other than that you can easily salvage 90% these days with a bit of effort, as local electrical stores have new freezers on hand to deliver on the same day.