Protect your bubble claim declined

Discod_2

Hi to all,
Back in march last year I bought a MacBook Pro from a man who was emergrating to Oz. so I insured the laptop soon after.
Just before Christmas I dropped it on the memory stick who dented the casing but worked for a few days before getting no further than the start up page. I thought it my be a loose connection so took it to a repairer to have a look but not repaired. Since then he told me it was repairable but for the costs just but a new one.
So placed a claim with protect your bubble.
This claim has been turned down as I had it looked at by unauthorised
Repairer..
Can any one help in me making a sucsessful claim or if they have claimed in similar circumstances and got a replacement or repair.
Kind reguards
Leigh

TSx

Discod wrote: »

Hi to all,
Back in march last year I bought a MacBook Pro from a man who was emergrating to Oz. so I insured the laptop soon after.
Just before Christmas I dropped it on the memory stick who dented the casing but worked for a few days before getting no further than the start up page. I thought it my be a loose connection so took it to a repairer to have a look but not repaired. Since then he told me it was repairable but for the costs just but a new one.
So placed a claim with protect your bubble.
This claim has been turned down as I had it looked at by unauthorised
Repairer..
Can any one help in me making a sucsessful claim or if they have claimed in similar circumstances and got a replacement or repair.
Kind reguards
Leigh

Are they claiming that your repairer caused the problem? And have they pointed out which part of the terms and conditions they are using to decline the claim?

rs65

TSx wrote: »

Are they claiming that your repairer caused the problem?

Sounds like it. The policy excludes damage caused by unauthorised repair.

OP, as Tsx says, ask them to confirm exactly what part of the policy they are relying on.

Buzby

They also insist on the original purchase invoice, if you didn't get one (or it was an auction purchase) they also deny reimbursement for this - so they may have you every which way.

Discod_2

Hi thanks all for posting.

Email from pyb is stating there refusing my claim

I am very sorry to inform you that your claim has not been accepted this time. Here is why:

The policy states:

“E. Breakdown:

We will not pay for:

4. Repairs carried out by persons not authorised by us;”

I have looked at the circumstances of your claim in detail and from the information I have available it does appear that your repair was completed by a person not authorised by Protect Your Bubble. For that reason I have declined your claim.

There was no repair carried out by the computer repairer as it was to expensive to repair his words were you can buy a new laptop for the part cost..

Any further advice would be greatly appreciated.

Quentin

Write and tell them this, and ask them to process your claim. Then take it from their reply.

InsideInsurance

they are on thin/ non-existent ice there assuming that you arent trying to recover the cost of your repair person looking at it.

Email them back saying that you appreciate their email however would like to point out that you are not attempting to claim for the costs of your own inspection as it was not authorised by them. You are however claiming for the accidental damage that was caused by you dropping the laptop

Discod_2

Thanks every one.

Thanks Inside Insurance

What you think about this as email response?

Dear Edwina,

I appreciate your email however i would like to point out that i'm not claiming for the costs of my own inspection as it was not authorised by yourselves. I am however claiming for the accidental damage that was caused by myself dropping my laptop.
There were NO repair's carried out only an inspection.
I'm not trying to recover the costs uncured for the inspection.
I am however claiming for replacement or repair's to laptop.

Kind Regards,

Leigh Dancer

If you would like to add anything further to help in a successful claim would be greatly appreciated.
regards
Leigh

InsideInsurance

I'd skip the I'm not trying line as it is pure duplication.

The only thing I'd add is another final line saying something like "I look forward to receiving confirmation of cover for my claim and which authorised repairer you have to instruct to collect my broken laptop"

Quentin

As they have rejected your claim, then now make this a formal complaint about their decision (in line with their complaints procedure which will be set out on the policy)

This means you have started the clock in being able to escalate to the FOS if you are unhappy with their reply. (They have 8 weeks to reply to a formal complaint, or once 8 weeks have passed you can escalate without getting any reply)

InsideInsurance

Quentin wrote: »

As they have rejected your claim, then now make this a formal complaint about their decision (in line with their complaints procedure which will be set out on the policy)

If they have been very quick in replying then I'd be tempted to avoid labelling it as a complaint at this point because this can add to the timescales to for the response.

If they are taking days/ weeks to reply then certainly follow Quentin's advice and get the FOS clock ticking