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  • FIRST POST
    • Jellyworm
    • By Jellyworm 16th May 18, 10:18 AM
    • 11Posts
    • 0Thanks
    Jellyworm
    Trinity Claims/Policy Expert
    • #1
    • 16th May 18, 10:18 AM
    Trinity Claims/Policy Expert 16th May 18 at 10:18 AM
    Hi all
    I've recently noticed large patches of mold appearing near the edged of the roof (on the inner walls) and had a contractor out to look at the damage. He advised it's likely as a result of storm damage to the roof and that we should go through our insurance.
    At this point I called Policy Expert and the call routed through to Trinity Claims. They sent a surveyor out and that's the last we heard for weeks. Numerous calls to them over the weeks were answered with "we're waiting for the report". I put through a complaint and a week later they had the report and would be back in touch in a few days. A week later (today) I called and was told it's now gone off to someone else and they're waiting to hear back. It's now been 6 weeks since I put a claim in and I don't even know if the claim is going to be agreed or turned down.
    I googled a bit and found a few reviews on trust pilot and they all said the same thing, in a nutshell Trinity just stall and stall and stall and at this point I have no faith that this is going to be resolved anytime soon. I'm regretting claiming on home insurance (something that I sure I shouldn't) and i'm due for renewal in 9 days. This claim is now going to effect my premium and I don't even know if they'll agree it or not.
    I'm feeling totally backed into a corner here with no way of getting them to actually action the claim and stop fobbing me off or unable to cancel the claim and just get the damage repaired myself but without it affecting my next premium.
    Any advice?
Page 1
    • Reardoa
    • By Reardoa 16th May 18, 10:43 AM
    • 148 Posts
    • 46 Thanks
    Reardoa
    • #2
    • 16th May 18, 10:43 AM
    • #2
    • 16th May 18, 10:43 AM
    To be honest its unlikely to be a valid claim anyway. Something of that nature will be difficult to relate to one specific event (storm for example) unless you are aware of the date of loss/event? and will be classed as a gradually operating cause.
    Id suggest following the complaints process in you are unhappy with the service.
    • Jellyworm
    • By Jellyworm 16th May 18, 11:03 AM
    • 11 Posts
    • 0 Thanks
    Jellyworm
    • #3
    • 16th May 18, 11:03 AM
    • #3
    • 16th May 18, 11:03 AM
    To be honest its unlikely to be a valid claim anyway. Something of that nature will be difficult to relate to one specific event (storm for example) unless you are aware of the date of loss/event? and will be classed as a gradually operating cause.
    Id suggest following the complaints process in you are unhappy with the service.
    Originally posted by Reardoa
    I only called the Insurance company off the back of what the contractor told me. If I cancel the claim it's still going to affect my premium so I feel I've just shot myself in the foot by trying to use insurance. (and they wonder why there's people who don't have it).

    One more question I hope someone can answer, If I cancel my claim would that be better for renewal quotes or should I just wait till they string me along for weeks then turn it down? Currently the claim is valued at about 1500 but if I cancel it surely it'll be a value of 0. (Picked that up from another thread, unsure if it's correct)
    • paddyandstumpy
    • By paddyandstumpy 16th May 18, 12:19 PM
    • 1,177 Posts
    • 665 Thanks
    paddyandstumpy
    • #4
    • 16th May 18, 12:19 PM
    • #4
    • 16th May 18, 12:19 PM
    Even if the claim is withdrawn or repudiated, the claim value will reflect the claim handling costs and the cost of the surveyor sent out.
    • FutureGirl
    • By FutureGirl 16th May 18, 1:50 PM
    • 1,137 Posts
    • 474 Thanks
    FutureGirl
    • #5
    • 16th May 18, 1:50 PM
    • #5
    • 16th May 18, 1:50 PM
    Although the contractor said the damage was 'storm damage' they probably mean it in the sense that weather, over time, has caused the issue.

    Your insurance will only cover you for damage due to a one off storm event - not over time.
    • csgohan4
    • By csgohan4 16th May 18, 9:11 PM
    • 5,163 Posts
    • 3,285 Thanks
    csgohan4
    • #6
    • 16th May 18, 9:11 PM
    • #6
    • 16th May 18, 9:11 PM
    For those reading, very important to read the exclusion criteria of your insurance, even premium insurers such as Hiscox also have exclusions for things that happened over time.


    OP I'm afraid you jumped to claiming without reading your policy and knowing you won't be able to claim successfully, mould doesn't grow overnight
    "It is prudent when shopping for something important, not to limit yourself to Pound land/Estate Agents"
    • Jellyworm
    • By Jellyworm 17th May 18, 12:22 PM
    • 11 Posts
    • 0 Thanks
    Jellyworm
    • #7
    • 17th May 18, 12:22 PM
    • #7
    • 17th May 18, 12:22 PM
    For those reading, very important to read the exclusion criteria of your insurance, even premium insurers such as Hiscox also have exclusions for things that happened over time.


    OP I'm afraid you jumped to claiming without reading your policy and knowing you won't be able to claim successfully, mould doesn't grow overnight
    Originally posted by csgohan4
    Something I missed, thank though, i'll not do that again.
    • Jaytee2431
    • By Jaytee2431 6th Sep 18, 11:02 AM
    • 1 Posts
    • 0 Thanks
    Jaytee2431
    • #8
    • 6th Sep 18, 11:02 AM
    • #8
    • 6th Sep 18, 11:02 AM
    I deal with insurance companies day in and out. My experience when dealing with Policy Expert and their "henchmen" claims management company ,Trinity Claims, is very, very poor. All insurers' can be judged by their claims management. All have a legal duty to treat customers fairly (The TCF principle)
    Trinity Claims ignore that principle completely and repudiate or limit their liability to a paltry settlement figure routinely. I personally wouldn't touch them with a barge pole. Hiscox is best and NFU aren't far behind. You get what you pay for in the insurance industry and you don't know how bad your insurance is until you have to make a claim. We refer companies like Trinity and Policy expert to the financial ombudsman service on a regular basis and my next job today is to refer yet another trinity claims job. Avoid. Jock the clock.
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