Churchill raising claim when i refused and did not need to

rs65

Clifford_Pope wrote: »

The "that might give rise to a claim" is a significant addition to the simple definition of an "incident". Supposing it doesn't give rise to a claim?

My policy says:-
You must tell us as soon as reasonably possible about any incident which may lead to a claim under this policy. If you receive any notice of prosecution, inquest or fatal accident inquiry or you are sent a writ, summons, claim or letter, you must send it to us, unanswered, as soon as possible.

Someone brakes and you don't hit them - No
Brush your gatepost and no damage - No
Someone else's gatepost - Yes, in case they later claim
Misplacing your laptop and later discovering - No, but you may have notified it before finding it.

Remember, if you may want to benefit from the cover then you need to comply with the conditions. Claims such as misplacing your laptop can be closed as 'no claim' if you want to later.

Claims involving another party will probably have to stay open for a while to see if a claim comes in. The system I used to work with have a 'For Info' field that you just put a 'Y' in. It could be marked 'for info' as soon as it was notified and either closed immediately or left open for a few months.

dtaylor84

rs65 wrote: »

My policy says:-
You must tell us as soon as reasonably possible about any incident which may lead to a claim under this policy. If you receive any notice of prosecution, inquest or fatal accident inquiry or you are sent a writ, summons, claim or letter, you must send it to us, unanswered, as soon as possible.

I hope you've never received any letters since taking out your policy!

rs65

dtaylor84 wrote: »

I hope you've never received any letters since taking out your policy!

Odd wording isn't it.

hugoshavez

No doubt "letter [of claim]" was edited by marketing!