Risk of insurers refusing fire claim?

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
5 replies 770 views
Bromley86Bromley86 Forumite
1.1K Posts
edited 30 November -1 at 1:00AM in Insurance & Life Assurance
There’s been no fire, so this is a hypothetical.

My in laws have a gas cooker. When frying, e.g. an egg, they put newspaper on the stove top to catch the oil splashes. This seems insanely risky to me! If the worst happened and there was a fire, could the insurance company claim they were grossly negligent and not pay out?

Cheers.

Replies

  • dacouchdacouch Forumite
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    They will probably pay the claim but will spend a lot of time questioning them and investigating the claim as it would give the appearance of an intentionally started fire.

    You may find the local fire station will be happy to send an officer around to "Fit a free smoke alarm" and give them a chat about fire safety while they are there if you tell them what is happening
  • ZorilloZorillo Forumite
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    There will be a reasonable care precaution of some sort in there wording.

    In reality, it would be so difficult to prove that they'd probably pay.

    But yes, there is a risk they won't pay and it does seem to be something that would have a simple solution.
  • Carrot007Carrot007 Forumite
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    Zorillo wrote: »
    But yes, there is a risk they won't pay and it does seem to be something that would have a simple solution.


    For example./


    Don't have the heat up so much the oil goes everywhere!
    Poach an egg. Much more tasty!
    Get some of those heat resistant sheets that would be fine for the job.
  • QuentinQuentin Forumite
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    They should be told to stop the practice!


    Hypothetically they risk personal injury doing this stupid thing that will be far worse than hypothetically getting a claim rejected
  • Bromley86Bromley86 Forumite
    1.1K Posts
    Ha! Thanks guys, much appreciated. I'd actually bought them some silicone sheets from Lakeland a while back, when I last was horrified to see them doing it :) . I've relayed your "probably okay, but maybe not" comments, so hopefully that'll do the trick.
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