Accidental damage cover- kitchen worktop

rs65

Luke226 said:

I see your insurer has rejected the claim on grounds that it is not covered. I know that carpet spills are covered given the high su and I would argue that a spill to the carpet is cosmetic and you cannot exclude one when accepting the other. If you really wanted to push it you probably have grounds to raise a formal complaint with them.

They haven't submitted a claim
How do you know that carpet spills are covered?

Luke226

rs65 said:

Luke226 said:

I see your insurer has rejected the claim on grounds that it is not covered. I know that carpet spills are covered given the high su and I would argue that a spill to the carpet is cosmetic and you cannot exclude one when accepting the other. If you really wanted to push it you probably have grounds to raise a formal complaint with them.

They haven't submitted a claim
How do you know that carpet spills are covered?

If you read the replies, Worldofdrane quotes an extract from the police terms. Carpet damage is only covered up to £750, sequitur, carpet damage is covered.

rs65

Luke226 said:

If you read the replies, Worldofdrane quotes an extract from the police terms. Carpet damage is only covered up to £750, sequitur, carpet damage is covered.

Carpets are covered but the cosmetic damage exclusion still applies

Luke226

rs65 said:

Luke226 said:

If you read the replies, Worldofdrane quotes an extract from the police terms. Carpet damage is only covered up to £750, sequitur, carpet damage is covered.

Carpets are covered but the cosmetic damage exclusion still applies

Yes, which is why my advice was so detailed. Insurance is just a contract. Contracts can be argued. And insurance is highly regulated which strengthens a personal cuatomer's position.

I'm not saying that he will get the matter rectified but I'm confident that he will get something if he raises the matter as a coming with a contractual definition arguement.

rs65

Your point was:-
I know that carpet spills are covered given the high su and I would argue that a spill to the carpet is cosmetic and you cannot exclude one when accepting the other. If you really wanted to push it you probably have grounds to raise a formal complaint with them.
Do you realise this is all flawed now.
I can see no grounds for a complaint

Insurance is highly regulated but that has no bearing on this

What does this mean -  I'm confident that he will get something if he raises the matter as a coming with a contractual definition arguement.
What definition argument?

Luke226

rs65 said:

Your point was:-
I know that carpet spills are covered given the high su and I would argue that a spill to the carpet is cosmetic and you cannot exclude one when accepting the other. If you really wanted to push it you probably have grounds to raise a formal complaint with them.
Do you realise this is all flawed now.
I can see no grounds for a complaint

Insurance is highly regulated but that has no bearing on this

What does this mean -  I'm confident that he will get something if he raises the matter as a coming with a contractual definition arguement.
What definition argument?

I have no intention of getting into a debate with you. My advice stands and I speak from experience.

@worldofdrane you should email the compalints team for the insurer and make a complaint. If you need any help let me know. I have some wordings that will help.