Contents claim sofa

Spikey1

HI,

How much was the sofa ? (you should not include any interest if you bought it on a credit agreement)

Were any other matching items supplied within this cost ?

When did you buy it ?

Is the same sofa still available to buy new ? (if so, have you found a cost on Google, Amazon etc.) ?

Do you have a receipt ?....if not, do you have a bank statement, or card statement to prove how much you paid for it ?

Insurers don't rip people off deliberately but can make mistakes just like anyone else. The discounts they achieve are usually between 10 - 30% so this doesn't explain the big difference.

Spikey1

Sorry II....took a phone call before finishing my post. Looks like you and I are thinking along the same lines;)

InsideInsurance

Spikey1 wrote: »

Sorry II

If I apologised for every time I cross posted with someone it would probably come close to doubling my post count :beer:

weekazza

Hi

It's was a gift from my mum when I got married. She paid it cash and its no longer for sale - I've hunted.

It was a 3 and 2 seater. Both damaged by my lovely niece, nephew and son whilst making me a super dooper creation.

As I said I don't mind putting something to settlement but not nigh on a grand.

1049 is minus my excess. Cash settlement would be the same.
I have spoken to them and they have asked if I find a replacement that I'd pref to send them a link and they will consider increasing their offer. I have found one very similar from same company - it's just an extra 450. So fingers crossed. Even meeting me half way would be great then is by have to find 250

magpiecottage

InsideInsurance wrote: »

Especially as the only FSA now is the Food Standards Agency, they probably dont know much about insurance or sofas..

Have you never heard of a couch potato?

InsideInsurance

weekazza wrote: »

I have found one very similar from same company - it's just an extra 450. So fingers crossed. Even meeting me half way would be great then is by have to find 250

How much is your excess?

If the new sofas are £1,500 you would evidently have to take the excess off and so it wouldnt be an extra £450 you are expecting/ hoping for

Spikey1

Mmmm......you'd given the impression that you were talking about 1 sofa. It now seems that when purchased by your Mum, she actually bought 2 sofas.

This changes the picture very considerably. Your insurer will only pay for the sofa which was damaged. It doesn't have to pay anything for the undamaged matching sofa although some insurers will make a contribution as a gesture (something which the FOS recommend but don't necessarily enforce). Is this not the reason why there is a difference in the amount being offered ?

I acknowledge that in your last post you have said that you had 2 sofas and BOTH were damaged but this does not seem to accord with your original posts. If you have changed your story to the insurer in the same way they are likely to ask you some further questions.

dacouch

If it helps I think DFS may have a sale on at the moment

rs65

dacouch wrote: »

If it helps I think DFS may have a sale on at the moment

It seems somewhat appropriate that you commented in this thread.