Retarded insurers
Discussion
Picture this An insurer.. doo dooo do de dooo, red phone ahem
2 years ago I had a substantial burglary... including a laptop...
The insurers replace the thing and last night the cursed pile of plastic was stolen from me on the train home...
So i call insurers and initiate a claim...
No problem they say, can you provide proof of purchase... no I say you supplied it after the burglary hence it being specified on the policy.
Ohhh in that case we may not be able to process the claim.
You supplied it I say, of course you can.... And why is it listed they say, it suggests expectation that you will have it stolen... Erm you added it as you replaced it I say.
And on and on and on and on...
ARGGHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHhhhh
me, he's right. I thought I'd bought the insurance just to waste money, but now I remeber I bought it in case my stuff got nicked. I'll cancel the claim right away. What a fool I've been.Ian_S said:
The reason it will have been listed as its over £1500 and easily removed, same goes for jewellery and paintings etc, anything over a certain value should be listed. Phone again try and get someone different.
I have already had a call from suplliers to say:
yes we know you had a stupendous bit of kit (it cost me 3k), but we are going to try and get away with offering you a £450 laptop to see if we can get away with it.. ok maybe not the exact words used but thats my impression of what they were saying.
New for old policy, my new laptop to be replaced by old crappy spec it seems :-)..
Top of range laptop, should be replaced with something approaching the same spec.
How do they think they will get away with it?
rich1231 said:
Still having problems with the idiots...
Anyone had similar probs and got any tips?
New for old = exactly what it says - If they cant replace it with the identical item, you should get the current equivalent (spec not £££)
I had a laptop replaced via insurance - no receipt (it was a gift) they accepted the manuals as proof of purchase/existance (although I did during one particular irate
conversation with the assessor mention the words: ombudsman, national press and solicitor in the same sentence) Find a couple of prices for similarly specced laptops and it might be worth speaking to a supplier and telling him what you had and asking his opinion on what todays current equivalent is
Mr Bling said:
That will be the same insurance company who are making me collate my record and CD collection before agreeing to contents insurance.
Standard practice
Best bit is - once you have supplied them the list, they will then ask you for any receipts, where you bought them, did you pay by credit card - they will ask for statements
and so on........... I kid you not
Have to say when my laptop had a little accident, I was expecting hassle form my insurance company (little red phone) but I was to be pleasantly suppressed. No forms to fill in and no long explanations. I sent the thing to their contracted supplier. It was pronounced dead and a similar spec’ed replacement offered. I took a quite reasonable upgrade option and ended up with a nice new high spec laptop in less than 2 weeks.
Marvellous.
Marvellous.
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