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    • dekaspace
    • By dekaspace 9th Oct 16, 3:26 PM
    • 4,368Posts
    • 3,832Thanks
    Query on insurance policy I have.
    • #1
    • 9th Oct 16, 3:26 PM
    Query on insurance policy I have. 9th Oct 16 at 3:26 PM
    I had a leak recently and have basic insurance that every year I roll on at same price as previous year which I have done for about 6 years now.

    When I originally got it it covered everything up to 1 or 2 thousand (can't remember) which included computers and mobiles as it covered everyday items I know as shortly after getting policy my tv broke so they gave me new one.

    I enquired recently after a leak as my phone was playing up that was in the room with leak and was informed that phones/computers are not covered under my policy.

    When I original signed up they were included but only to the maximum insurance i.e if it was 2 grand for everything in property and the phone was 1 thousand and 1.5 thousand for a computer I would get 2 grand max but I was able to purchase secondary insurance for luxury items like computers/phones so if there was an issue it would be seperate from the home items damage.

    Im guessing terms had changed since I originally signed up even though I was informed every year I was paying for same policy thus nothing can be done?
Page 1
    • csgohan4
    • By csgohan4 9th Oct 16, 4:30 PM
    • 4,442 Posts
    • 2,784 Thanks
    • #2
    • 9th Oct 16, 4:30 PM
    • #2
    • 9th Oct 16, 4:30 PM
    Did you read the T+C of your renewal policy? never auto renew as it might not be the cheapest.

    Most insurers also don't cover for damage caused by leaks that happen over time.
    Last edited by csgohan4; 10-10-2016 at 6:24 PM.
    • Daniella192
    • By Daniella192 9th Oct 16, 7:47 PM
    • 1 Posts
    • 0 Thanks
    • #3
    • 9th Oct 16, 7:47 PM
    • #3
    • 9th Oct 16, 7:47 PM
    Can any one please help me.with some advice. My parents live in Spain and had a fire at there house my mother died in the fire. My parents had a home premium insurance policy. When the police and fire brigade came to put out the fire they said that the fire was caused by a cigarette in the ashtray. when the insurance company came with a loss adjuster and a fire inspector they said that the fire was caused by a television and a faulty electrical cord. The sofa that had the cord over it and next to the plug socket was completely burnt out and the sofa with the ashtray on wasn't completely burnt out. The insurance man said yes they would pay out and honor the claim and they could arrange for the clean up and make good.After not hearing back from them nearly four weeks by dad has been told that they are refusing to accept the claim, in the policy there is a section on whats excluded due to smokers accidents. so they are saying the claim is void. They have requested and read the police report and are now saying the fire was caused by the cigarette. My father is living with the fire damage and knowing that his wife, my mother died. I don't know what to do? Do i try and negotiate with the insurance company? Do i need to get my own loss adjuster to access the damage, can I pay for a loss adjuster to give me a quote for the damage so we I can get an idea of how much it will cost to fix the damage. I think I will have to get a specialist company in to clean the soot as I have read that there are two kinds of soot. Will the loss adjuster include this in his quote. My father is distraught we do not have the money to pay for the repairs.
    • Archergirl
    • By Archergirl 10th Oct 16, 1:41 PM
    • 1,132 Posts
    • 623 Thanks
    • #4
    • 10th Oct 16, 1:41 PM
    • #4
    • 10th Oct 16, 1:41 PM
    Sorry for your loss. I might be best to start your own thread on this, at the top of the page it says New Thread, copy and past this one to it....
    • FutureGirl
    • By FutureGirl 10th Oct 16, 6:55 PM
    • 1,087 Posts
    • 448 Thanks
    • #5
    • 10th Oct 16, 6:55 PM
    • #5
    • 10th Oct 16, 6:55 PM
    I think the issue is that the fire inspector (who is competent and specialised in that field) is saying it's due to the cigarette. I would more likely believe the fire inspector, rather than a loss adjustor, as a loss adjustor deals in various types of damage, whereas the fire inspector specialises in fires. I do think you'd have a hard time challenging this with the insurance, purely because the fire inspector / police have a report noting cigarette is the cause.
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