Are Capital One Lying to me?

ILW

Surely loss is a general term that would include theft.

callum9999

ILW wrote: »

Surely loss is a general term that would include theft.

As has already been pointed out, Capital One specifically broke it down into 3 categories - theft, loss and damage. They then specifically said loss and damage doesn't apply outside the UK.

While I would completely agree with you if they hadn't broken it down into those 3 categories, I think the wording is so poor it's left them wide open to be challenged on the matter.

I'm not saying Capital One are definitely in the wrong, just that the policy is vague enough to challenge it with an ombudsman and they can then decide what it means.

sharpy2010

ILW wrote: »

Surely loss is a general term that would include theft.

I don't agree, I think loss and theft are two totally separate occurrences.

ILW

sharpy2010 wrote: »

I don't agree, I think loss and theft are two totally separate occurrences.

I would think that if you have had an item stolen, incinerated, washed away or vapourised in a nuclear explosion, it would be classed as lost forever.

Surely you could not expect them to list every possible eventuality separately.

dalesrider

thebigloss15 wrote: »

The phone was of course bought on my credit card within the last 100 days! Only the most brazen of fools would try to claim from the company that issued the card if they hadn't bought the product on their card!


Thanks

You would be surorised at the number who would..

But I have learnt that if something is not made clear. it will be the one point that comes back to bite your backside. :rotfl:

So thanks for clearing that up.:T

Enfieldian

Sorry, but if Loss and Damage are not covered outside of the UK, why would anybody think that theft would be?

Insurance policies are notoriously complex but it is what they DO say that is important, not what they DON'T.

callum9999

ILW wrote: »

I would think that if you have had an item stolen, incinerated, washed away or vapourised in a nuclear explosion, it would be classed as lost forever.

Surely you could not expect them to list every possible eventuality separately.

Now you're being ridiculously obtuse... They broke down the general category into "loss", "damage" and "theft" - then specified "loss" and "damage" don't apply abroad. Logically you would assume that also means theft, but it doesn't say that.

As I said before, I'm not arguing that theft is definitely included - merely that the wording is bad enough for you to make an appeal.

Enfieldian wrote: »

Sorry, but if Loss and Damage are not covered outside of the UK, why would anybody think that theft would be?

Insurance policies are notoriously complex but it is what they DO say that is important, not what they DON'T.

You said it yourself... "it is what they DO say that is important". Where do they say theft is classed as "loss"? Where do they say theft isn't covered abroad?

Enfieldian

I am sure it doesn't say that you wouldn't be covered if you lost your phone betting it in a card game, does that mean that is covered too?

In the UK, of course.....

rartherinv

Being a lay man, my view is that a statement defining 3 categories followed by a statement excluding 2 of those categories reasonably implies that the third outcome is included in the cover.

If theft is covered by the policy except outside the UK then the contract should say so.

OP clearly not perturbed by the balance of power, good on them, give it a go.... Good luck! :T

callum9999

Enfieldian wrote: »

I am sure it doesn't say that you wouldn't be covered if you lost your phone betting it in a card game, does that mean that is covered too?

In the UK, of course.....

I cannot make this any simpler... A five year old could understand this...

Capital one SPECIFICALLY said it was covered for theft, loss and damage in the UK, but loss and damage isn't covered abroad. I.e. They listed THREE events that would be covered in the UK, followed by TWO events that are not covered outside of the UK. Capital One are the people who decided theft needs it's own category outside of just "loss" - not me or the OP.

Will you please stop rabbiting on about stupid scenarios that have absolutely nothing to do with what I am talking about. Unless you can find me where Capital One have specifically mentioned in the t&cs that you are covered for nuclear explosions or gambling losses in the UK?