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Home insurance not paying out - where next?

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Comments

  • BoGoF
    BoGoF Posts: 7,098 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    FOS = Financial Ombudsman Service
  • D'oh! Silly me. Thanks.
  • I have been reading some FOS decisions today, and it is not always necessary to have the receipt. I would definitely make the threat.
    That is, assuming they accept the claim in the first place and don't say that you did not take proper care.
    I have never lived anywhere with a shared loft space. Is it unusual?
  • Thanks for comments. I live in a Victorian property, obviously long before firewalls. So, I assume, in Scotland, the usual?
  • BoGoF
    BoGoF Posts: 7,098 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Think you need to evaluate if its worthwhile pursuing this. If the clothes cover is not new for old, the insurance company is going to adjust for the age of them and by your own admission they are at least 2 years old.

    Then you have your excess and the likelihood of increased premiums.....is it really worth it
  • macman
    macman Posts: 53,129 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I'm dubious if personal possessions in a shared loft are even covered by a standard contents policy-normally you need to declare that the policyholder and family have exclusive occupation of the property being insured, or a similar clause to that effect?
    It would also increase the buildings insurance of course, due to the much greater fire risk.
    No free lunch, and no free laptop ;)
  • Right from the off, I made it clear we had a shared loft space and nothing was mentioned around this being an issue.

    Thanks for all your support. I think will pursue, nothing to lose at this rage now.
  • gycraig_2
    gycraig_2 Posts: 533 Forumite
    Is the excess not going to be higher than the loss ?.
  • FutureGirl
    FutureGirl Posts: 1,252 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    OP has said the amount is circa £1K. So doubtful the excess would be that high.

    OP definitely check whether clothing etc is new for old or not. If not they will deduct a % for wear a tear then may not even be worth claiming.
  • I've had a read through the policy (Direct Line) and unable to locate where it makes reference to new for old clothing. I'm not bothered if they deduct % for wear and tear, that's understandable.

    Will send off a complaint and see where that takes me.

    Ta
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