Motor Home Insurance (CDW) Query

Quentin

There's nothing there that says the full excess must be paid to make a claim???

cookie666

Cheers, I put in a claim and see what happens, as long as I'm honest and truthful, they can either say yes or no!

Quentin

Your OP gave the impression that your policy contained a clause along the lines of "The claim under your insurance policy was successful and was for more than the amount of the Excess. ", meaning that your £340 (being less than the £1000) couldn't be claimed.


If there are no similar conditions then you should have no problem with the claim!

dauphin

Quentin wrote: »

Your OP gave the impression that your policy contained a clause along the lines of "The claim under your insurance policy was successful and was for more than the amount of the Excess. ", meaning that your £340 (being less than the £1000) couldn't be claimed.


If there are no similar conditions then you should have no problem with the claim!

It was pretty clear that the OP was under a misapprehension and, as per my first question, he never stated what the excess was under his separate policy.
He was seeking confirmation of his understanding, which you gave him by suggesting that all these policies were a waste of money.
I would still be interested to see ANY such policy which only pays once the full excess is due.
Why do you consider these excess protection policies useless Quentin? This site certainly recommends them as an alternative to hire companies' own offerings and I certainly felt the one I bought was decent value. Looks like the OP's policy has saved him £240 (less the £70 premium)!

Quentin

They aren't "useless" - where have I said that?


Some do include the clause mentioned, which was the impression the OP gave, and when that occurs they can be a waste of money.


(There are lots of complaints online over these types of policies which do show that some throw up lots of barriers to make you jump - and your "excess waiver" policy sounds a misnomer if it carries an excess itself!)

dauphin

I paraphrased. You said these policies contained a "big catch" and were a waste of money. You made it sound as if they were all like this. I checked a few places before I bought mine and I have to say I didn't come across one which was limited in the way you have described, which is why I would have been interested to see an example.
Where did I describe the policy I took out as an "excess waiver" policy?!

Quentin

Excess waiver policies is what is being discussed ( by everyone except you it seems)

dauphin

Quentin wrote: »

and your "excess waiver" policy sounds a misnomer if it carries an excess itself!)

I assumed you objected to the term; was merely pointing out that I had not used it.

You give a great deal of excellent advice on these forums, but on this occasion you made an unwarranted assumption which nearly cost the OP £240, so I find your rather patronising response to me somewhat out of place.

Quentin

The op has been sorted now.

I find you misquoting me then calling it a " paraphrase' unforgivable.

Time to move on

dauphin

I didn't claim to be quoting you! You said these policies contained a big catch and were a waste of money. I paraphrased that as meaning useless.
I don't think that was much of a leap but I'm sorry if you find it unforgivable.
Anyway, let's hope that OP now gets his claim paid, which is all that matters.