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what is the process for a claim for carpet insurance?

We are claiming for a new carpet through the managing agent of our building. (they are putting it through their insurance).

We have to give two quotes.

We have found a really nice carpet with CarpetRight, but it is a bit more expensive.
Another alternative is with Tapi Carpets, but not as nice and a bit cheaper.

If we put our two options in, how do insurers get to decide which one?. (if so I'm sure they would choose the cheaper version?)
if we want the pricier one, can we say we will pay the difference? is there any way we can get the option we would prefer?
or should we find the most expensive option at Tapi and get a quote so it will be disregarded?
(but then what if they decide to arrange that one for us?)

How do the companies usually get paid, vouchers from the insurer. or do they get invoiced?

I've never done an insurance claim so thought I would get your responses if possible.

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  • DullGreyGuy
    DullGreyGuy Posts: 12,057 Forumite
    First Post First Anniversary Name Dropper
    The policy wording will state how claims will be settled and can vary from the insurer simply appointing their own supplier to supply and fit the replacement through to them just giving you the cash of the lowest quote less the excess.  You may have the right to ask for cash rather than use their supplier or vouchers but they almost certainly in those circumstances can reduce the cash settlement to reflect the discount they'd have received from their supplier.

    The quotes you are getting now should be for an equivalent quality of carpet as the one that's been damaged and so you shouldn't just be selecting the most expensive (nor automatically the cheapest). The insurer will typically either just base settlement on the lower quote received or pass it on to their supplier who'll quote based on the information on your suppliers quote. 
  • 492800
    492800 Posts: 180 Forumite
    First Anniversary First Post
    As we are going through a third party getting answers is proving tricky, this has helped somewhat thank you.

    We are very happy to pay the extra if need be, but sounds like we may need to discuss with the insurer once we have our quotes put forward as we would like a particular carpet. 
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  • Marmaduke123
    Can you get another quote for your preferred carpet, from a different supplier?
  • 492800
    492800 Posts: 180 Forumite
    First Anniversary First Post
    sadly not, we've been to a few places and it looks like its specific to that shop
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