Claiming on previous business insurance policy

BarelySentientAI

mitchino said:

I have now registered a claim with my previous insurer Aviva, they were helpful on the phone and seemed to understand that I'd been given the wrong instructions by my broker. Time will tell if I get anywhere and no doubt I'll have to spend plenty of time dealing with another loss adjuster.

Might be chancing it, but do you think it would be worth my while making a new complaint to NIG for not spotting the fact that I wasn't insured with them at the time of the loss and causing me over a year's worth of pointless stress and anxiety?

It does seem odd that they didn't pick up that the incident was prior to policy inception - date of loss is usually one of the first questions.

What redress would you really expect though - damages for stress and anxiety isn't really a big thing in the UK (compared to the USA) - and is it worth going through the complaints process again for a token £100 or something?

XRS200

mitchino said:

Might be chancing it, but do you think it would be worth my while making a new complaint to NIG for not spotting the fact that I wasn't insured with them at the time of the loss and causing me over a year's worth of pointless stress and anxiety?

Have you queried this with your broker?  Wasn't it their advice to claim on the wrong policy?

mitchino

BarelySentientAI said:

is it worth going through the complaints process again for a token £100 or something?

I think you're probably right, will concentrate on the new claim.

user1977

BarelySentientAI said:

mitchino said:

I have now registered a claim with my previous insurer Aviva, they were helpful on the phone and seemed to understand that I'd been given the wrong instructions by my broker. Time will tell if I get anywhere and no doubt I'll have to spend plenty of time dealing with another loss adjuster.

Might be chancing it, but do you think it would be worth my while making a new complaint to NIG for not spotting the fact that I wasn't insured with them at the time of the loss and causing me over a year's worth of pointless stress and anxiety?

What redress would you really expect though - damages for stress and anxiety isn't really a big thing in the UK (compared to the USA)

Is it even possible for a business to suffer from stress and anxiety?