Out of house contents insurance claim rejected.

TP72

_Andy_ wrote: »

" They cant say must be locked in a boot if there isn't a boot to lock it in"

yes, yes they can. It was your choice to leave it there and your risk to take, given it wasn't covered. The insurance company are not at fault here, you are.

So are you saying everyone with a people carrier wouldn't be insured for theft out of their car?

TP72

Faith177 wrote: »

I use to work for the FOS (ombudsman) they are not allowed to reject a complaint in relation to a claim.

Also we were never meant to say if the complainant had a valid reason to complain as only an adjudicator could make that decision.

They will give the insurance 8 weeks to deal with your complaint before taking any further action

Yes they told me this, they also told me that this happens often and that the insurance company needs to be flexible under different circumstances.

Faith177

TP72 wrote: »

Yes they told me this, they also told me that this happens often and that the insurance company needs to be flexible under different circumstances.

I can't see how they can be flexible in this case thought tbf

The endorsement wording is quite clear and the police constantly tell people not to leave valuable items in the car as they are a prime target especially if covered that's jut a glowing beacon to say steal me.

Have you looked into how much this claim will effect your insurance? If you NCB isn't protected it will go down as a fault claim and you will lose your some if not all your NCB depending on how many years you have. Plus you will have a loading on your premium for the claim itself

JuicyJesus

dunstonh wrote: »

The FOS telephone staff say that to everyone that rings. It is their standard text. They are not trained or qualified to review complaints.

Would it shock you to hear I once called the FOS and was told that I didn't have valid grounds for complaint?

TP72

Good news! They've agreed to pay up.