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Insurance Claim - Help with wording

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  • Jumblebumble
    Jumblebumble Posts: 2,092 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    max5445 said:
    Hi, have just had my claim rejected by insurance company, am now sending a letter to them challenging their rejection on the basis of the wording of their policy. 
    So basically, they are refusing to compensate for the damage removal company caused, due to the furniture being flat packed! The furniture was not flat packed during transit/storage.  (Initially when I purchased the furniture a couple years ago it was flatpacked furniture).  Their policy word for word only states the following:  Excluded Items: flat pack furniture!
    Grateful for help on how to challenge this wording in the policy.  many thanks
    So which do you think the order of  risk to an insurance company
    Flat pack in its original factory transport protection, Flat pack assembled or flat pack assembled and then disassembled ?

    When you have considered this you may get your answer as to what they mean

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