Help Accused of making a frudlent claim on home insurance

[Simond S]

KFC said:

Simond S said:

I dropped my ipad onto tiled kitchen floor. Screen broke but worst was the tilechipped. 600 x 600 ceramic tile.

I didn't claim as it was my fault, screen was repaired for £90 and I will live with the tile as to replace would mean possibly damaging under tile heating pad.

But, if you are insured for clumsiness then claim. Don't let them bully you. Seems an on going issue with insurance companies to brainwash their staff with lies described as law and threats to avoid paying out.

Isn't that the whole point of having accidental damage insurance?

I agree, but the cost of the repair to the floor would be far greater than I personally would find acceptable. If, ( and I accept it may not happen, but if the heating pad was damaged changing the damaged tile it would result in needing to replace 31 m2 of tiles. Suddenly a minimal claim has cost £4,000 plus.

[elanfan]

Any update OP?

[Rude-boy]

Echo, would be interested to know.

In OP's shoes I would be pushing like hell for a resolution to this. Their accusation is a very serious one.

[Gecko1978]

Sorry all have not updated and one of the many PH'ers who have contacted me just asked for an update.

So while there is not much to tell my wofe got the letter from insruance firm asking if she wanted to withdrawn the claim. She decided that given it was a true claim and not an attempt to defruad the insurance firm out of a few hundred quid she would stand buy it so responded as such.

Sadly thats it so far no responce from them or the CSI people to do a forensic check.

As a side note a week or two before our freezer broke down (night before we went on holiday) so we had to junk all the food and then buy a new one. At the time my wife called the insurer and asked about making a claim but they said we would need recipts for all the food etc and the wait to get a new fridge freezer was like 4 weeks or so. so we did not make a claim and just bought a new one (we have a baby so can't wait for that sort of thing).

She did wonder if they thought because we could not make a claim for the Fridge Freezer maybe they thought we were making this up etc. Who knows but given I bought a new one day I got back from holiday I am not that bothered about the cost its more a case of you have insurance so surtely tyou should use it.

If CSI come round or they pay out in the end of they take me to court I will of course update. Thanks for all the support


Craig

[Rude-boy]

Hmm, in your shoes I would be looking to up the ante a little.

Write to them saying issue or settle within 14 days or we will take to to court for breach of contract and will be seeking redress for the alarm, distress and slader (nothing in writing as yet i take it) Add in that you will also be seeking further damages for any additional cost you are put to in obtaining other insurances.

If you are 100% sure you are in the right (and I strongly suspect you are from your posts on here!)this is not something to let take its course. Hit them hard and fast and push them to breaking point. Add to that look at you policy to see if you have legal cover, that would screw their little minds.

[supertouring]

Gecko1978 said:

they said we would need recipts for all the food etc

Who keeps receipts for a 6 month old bag of McCains?

[Dr G]

It's an easy sell telling someone the food in their freezer is covered but nobody will read the small print telling them they need a receipt for the bag of peas you bought 3 months ago.

[valais]

Dr G said:

It's an easy sell telling someone the food in their freezer is covered but nobody will read the small print telling them they need a receipt for the bag of peas you bought 3 months ago.

My local chain, booths offers a service with their loyalty card to view all receipts.... Would be great if only I shopped there more.

[TA14]

Rude-boy said:

Hmm, in your shoes I would be looking to up the ante a little.

Write to them saying issue or settle within 14 days or we will take to to court for breach of contract and will be seeking redress for the alarm, distress and slader (nothing in writing as yet i take it) Add in that you will also be seeking further damages for any additional cost you are put to in obtaining other insurances.

If you are 100% sure you are in the right (and I strongly suspect you are from your posts on here!)this is not something to let take its course. Hit them hard and fast and push them to breaking point. Add to that look at you policy to see if you have legal cover, that would screw their little minds.

yep. Six and a half weeks is quite a while for them to be deciding.

[alc]

I fell down stairs carrying my laptop which was under Curry's "Anything Happens" insurance. Duly made a claim, they sent a courier to collect the laptop which, a week later, they returned to me, still damaged, saying it was too badly damaged to be covered! After a lot of phone calls and letters, I started proceedings in the Small Claims Court. I produced photos of the (steep) staircase, wooden floor at the bottom, and a receipt for repair to my glasses which were damaged in the fall. A week before the case was due to be heard, they sent me a voucher for a new laptop - needless to say, I will never pay for their insurance ever again!

[Gecko1978]

I think like a lot of the other ph'ers I feel this is a case of paying for something then almost being told sorry mate oral contract not woth paper its printed on. in the past having bumped the car I have paid the repair myself thinking oh no mustn't loose my no claims etc.

its a mindset that says buy insurance but never claim etc. well I am taking a stand on this and will follow it up till bitter end.

Thanks again for all the support.

[Chrisgr31]

Dr G said:

It's an easy sell telling someone the food in their freezer is covered but nobody will read the small print telling them they need a receipt for the bag of peas you bought 3 months ago.

Indeed our fridge/freezer died a couple of weeks ago and my wife was all for claiming the contents until I pointed out that they were likely to want receipts etc as which point we decided against it!

[Chrisgr31]

alc said:

I fell down stairs carrying my laptop which was under Curry's "Anything Happens" insurance. Duly made a claim, they sent a courier to collect the laptop which, a week later, they returned to me, still damaged, saying it was too badly damaged to be covered! After a lot of phone calls and letters, I started proceedings in the Small Claims Court.

Bearing in mind dropping items down the stairs is one of the examples they give when selling the insurance to then say they are not paying out seems a bit rich.