DAVIES INSURANCE GROUP REJECTED MY CLAIM FOR ACCIDENTAL DAMAGE?

DARLYN1961

We had a great holiday in the Lake District this summer. We booked a holiday home for a weeks family holiday on Lake Windemere. We decided to pay for the offered insurance when booking with Sykes Cottages. Unfortunatley, my daughter accidentally damaged a mirror in the bathroom. The agent took the replacement cost from the bond on my credit card. (£280).They advised I should claim through the insurance company. After 5 months I get a response from the Davies Insurance Group explaning my claim had been rejected as follows: "On consideration of your claim, we regret to advise that your recent claim has been declined. We are unable to provide cover as you were not legally liable to pay for the broken mirror". I have asked them what this means but will no doubt have to wait several weeks for their explanation. In the meantime, does anyone have any advice? Kind Regards, Darren

DullGreyGuy

Rather than asking what they mean register it as a complaint and therefore if their response it still unsatisfactory you can then take the matter to the ombudsman. 

Clearly you need to understand their logic as to why you arent liable... presumably you did declare your daughter as a traveler for the insurance?

[Deleted User]

Is it possible the owner has charged £280 for a brand new mirror to replace one that was many years old and the insurance are arguing they are charging for an upgrade? What do the terms and conditions say for the rental about accidental damage?

TELLIT01

Deleted_User said:

Is it possible the owner has charged £280 for a brand new mirror to replace one that was many years old and the insurance are arguing they are charging for an upgrade? What do the terms and conditions say for the rental about accidental damage?

I wouldn't expect the age of the mirror to be a factor.  A mirror isn't something which will wear out.

Sea_Shell

Does the policy actually cover accidental damage or is it just liability cover?

New for old, or indemnity basis?

DullGreyGuy

Sea_Shell said:

Does the policy actually cover accidental damage or is it just liability cover?

New for old, or indemnity basis?

For third parties its indemnifying the OP for claims against them

TELLIT01 said:

Deleted_User said:

Is it possible the owner has charged £280 for a brand new mirror to replace one that was many years old and the insurance are arguing they are charging for an upgrade? What do the terms and conditions say for the rental about accidental damage?

I wouldn't expect the age of the mirror to be a factor.  A mirror isn't something which will wear out.

So if you bought a mirror for £280 you think you could sell it secondhand for £280 in a year or two's time?

Sea_Shell

DullGreyGuy said:

Sea_Shell said:

Does the policy actually cover accidental damage or is it just liability cover?

New for old, or indemnity basis?

For third parties its indemnifying the OP for claims against them

TELLIT01 said:

Deleted_User said:

Is it possible the owner has charged £280 for a brand new mirror to replace one that was many years old and the insurance are arguing they are charging for an upgrade? What do the terms and conditions say for the rental about accidental damage?

I wouldn't expect the age of the mirror to be a factor.  A mirror isn't something which will wear out.

So the question may be, has the OP actually been held liable, in writing, by the owner for the damage?   Rather than just being debited for the cost.

diystarter7

DARLYN1961 said:

We had a great holiday in the Lake District this summer. We booked a holiday home for a weeks family holiday on Lake Windemere. We decided to pay for the offered insurance when booking with Sykes Cottages. Unfortunatley, my daughter accidentally damaged a mirror in the bathroom. The agent took the replacement cost from the bond on my credit card. (£280).They advised I should claim through the insurance company. After 5 months I get a response from the Davies Insurance Group explaning my claim had been rejected as follows: "On consideration of your claim, we regret to advise that your recent claim has been declined. We are unable to provide cover as you were not legally liable to pay for the broken mirror". I have asked them what this means but will no doubt have to wait several weeks for their explanation. In the meantime, does anyone have any advice? Kind Regards, Darren

Hi OP

Yes, it is indeed not clear at all.
If you want to get it over and done with, give them a call.
Have you cantacted the agent?

Thanks