Lifestyle Services Group - Gadget cover

jd87

My Co-op bank account comes with free "Gadget cover" (for loss, accidental damage, etc) provided by LSG, Lifestyle Services Group Ltd. I covered my iPad under this and have accidentally damaged it. Understandably they want proof of purchase. I don't have the receipt anymore but I provided them with the credit card statement. They say this is insufficient proof and have refused the claim.

For the purposes of returning things to a shop under Sales of Goods Act etc, a credit card statement is sufficient proof of purchase. Does the same principal not apply here?

InsideInsurance

Read the policy wording to see if it explicitly says receipt or a more generic proof of purchase.

How old is the device? Have you asked the merchant if they can reproduce the receipt? I do like buying online or from Apple as they email you receipts which are so much easier to keep and find than paper ones.

jd87

It was bought from John Lewis 18 months ago so the receipt isn't on the in store system any more but they have said they might be able to find a record somehow and write a letter on headed paper for me or something, so that's one option.

I'll check the policy wording. The annoying thing is that I can even show a screenshot of the device registration (including serial number and date) from my iTunes account, but the insurer aren't interested in that, even though it is incontrovertible proof of purchase, it's just not a traditional "receipt".

I could understand all this if I didn't have the device any more (eg. I was claiming it was stolen) but I still have it in my possession so why do I need to prove I bought it? What if it had been a gift?

InsideInsurance

jd87 wrote: »

I could understand all this if I didn't have the device any more (eg. I was claiming it was stolen) but I still have it in my possession so why do I need to prove I bought it? What if it had been a gift?

The insurance is free for you, whilst I dont have inside information on this particular deal I understand in general that your bank really isnt paying much more than you are. Inevitably some things are worth the price you pay.

Their argument would be that they want proof that it is yours and you didnt decide to register your mates iPad for them as you didnt need the insurance. Others may say they are putting in barriers to claiming to keep down their outlay.

Ultimately they are bound by the terms of their policy. The issue will be there can be ambiguous things like "reasonable proof" in which case its an arguement of what is reasonable. Thankfully a formal complaint with the statement you will take the matter to the FOS often makes things become a lot more reasonable to them