Need help with Ins Co

[squeezebm]

Hi Boys and Girls,

I've lost my Tag watch (Kirrium if i remember correctly) which is approx 6 yrs old and cost roughly £2000,i don't mean to be so thick but all i can remember is that its one of the ones that you didn't need a battery for,winds up with the movement on your wrist.Contacted ins co to be told that it would be covered but i need proof of ownership ie reciept - that i haven't got or manual/box etc . Does anyone have any ideas where i can get a Tag box from or any proof of purchase,bearing in mind that we purchased the watch over in Dublin in the days of the Punts !! so a bit stuck popping back to the jewellers !!


Many Thanks

Edited by squeezebm on Wednesday 13th August 18:24

Edited by squeezebm on Wednesday 13th August 18:52

[TheStoat]

No idea on where to get a receipt from but wouldn't the watch have been registered with the manufacturer by the dealer? They should have a record of the purchase for this reason alone (assuming they are still trading). This would be proof of purchase assuming you didn't use a nom de guerre?

[squeezebm]

TheStoat said:

No idea on where to get a receipt from but wouldn't the watch have been registered with the manufacturer by the dealer? They should have a record of the purchase for this reason alone (assuming they are still trading). This would be proof of purchase assuming you didn't use a nom de guerre?

They are no longer trading but thanks for the advice

[205lad]

Sounds like a scam to me- if I were your insurance company that is.

Watch is worth £500 max these days so maybe best to forget it and buy a nice one?

[squeezebm]

205lad said:

Sounds like a scam to me- if I were your insurance company that is.

Watch is worth £500 max these days so maybe best to forget it and buy a nice one?

I can assure you that i am not in the habit of "scamming" insurance Companies and knew that PH had a watch section so was asking for advice,thanks for your input .

[baz1950]

205lad said:

Sounds like a scam to me- if I were your insurance company that is.

Watch is worth £500 max these days so maybe best to forget it and buy a nice one?

I would wager i'm not alone in thinking that your acerbic, blunt and frankly rude approach here is not entirely welcome.

[BigAlinEmbra]

I'm assuming you didn't buy it with cash?
If you don't still have the copy of the bank/CC statement that the purchase was on, then request a copy from your bank or CC company.
Might cost you a tenner or so for the copy statement, but worth it to get the insurer to pay out.

Photos of you wearing it would probably help evidence ownership too.

[cyberface]

Dominic H said:

baz1950 said:

205lad said:

Sounds like a scam to me- if I were your insurance company that is.

Watch is worth £500 max these days so maybe best to forget it and buy a nice one?

I would wager i'm not alone in thinking that your acerbic, blunt and frankly rude approach here is not entirely welcome.

+1

+2 as already mentioned in another thread
ETA - you deleted your post too late Dominic, sorry

Edited by cyberface on Wednesday 13th August 22:36

[Dominic H]

squeezebm said:

Hi Boys and Girls,

I've lost my Tag watch (Kirrium if i remember correctly) which is approx 6 yrs old and cost roughly £2000,i don't mean to be so thick but all i can remember is that its one of the ones that you didn't need a battery for,winds up with the movement on your wrist.Contacted ins co to be told that it would be covered but i need proof of ownership ie reciept - that i haven't got or manual/box etc . Does anyone have any ideas where i can get a Tag box from or any proof of purchase,bearing in mind that we purchased the watch over in Dublin in the days of the Punts !! so a bit stuck popping back to the jewellers !!


Many Thanks

If you have appropriate insurance, then you should be able to justifiably claim when the need arrises. A little common sense should be exercised when requesting reciepts, over a period of time these can be misplaced. I had a similar issue with an insurance company, who demanded receipts for items of lost luggage. I contacted the Financial Ombudsman and the matter was promptly addressed to my complete satisfaction.

Here's the link.

http://www.financial-ombudsman.org.uk/

Hope this is helpful..

[Dominic H]

cyberface said:

Dominic H said:

baz1950 said:

205lad said:

Sounds like a scam to me- if I were your insurance company that is.

Watch is worth £500 max these days so maybe best to forget it and buy a nice one?

I would wager i'm not alone in thinking that your acerbic, blunt and frankly rude approach here is not entirely welcome.

+1

+2 as already mentioned in another thread
ETA - you deleted your post too late Dominic, sorry

Edited by cyberface on Wednesday 13th August 22:36

Had a lousy day, and didn't need another punch up on this forum, but count me in....

[cyberface]

Dominic H said:

cyberface said:

Dominic H said:

baz1950 said:

205lad said:

Sounds like a scam to me- if I were your insurance company that is.

Watch is worth £500 max these days so maybe best to forget it and buy a nice one?

I would wager i'm not alone in thinking that your acerbic, blunt and frankly rude approach here is not entirely welcome.

+1

+2 as already mentioned in another thread
ETA - you deleted your post too late Dominic, sorry

Edited by cyberface on Wednesday 13th August 22:36

Had a lousy day, and didn't need another punch up on this forum, but count me in....

Tell me about it - crappy day here too. I come to this forum because the vast majority here are courteous and polite...

[BigAlinEmbra]

cyberface said:

Dominic H said:

cyberface said:

Dominic H said:

baz1950 said:

205lad said:

Sounds like a scam to me- if I were your insurance company that is.

Watch is worth £500 max these days so maybe best to forget it and buy a nice one?

I would wager i'm not alone in thinking that your acerbic, blunt and frankly rude approach here is not entirely welcome.

+1

+2 as already mentioned in another thread
ETA - you deleted your post too late Dominic, sorry

Edited by cyberface on Wednesday 13th August 22:36

Had a lousy day, and didn't need another punch up on this forum, but count me in....

Tell me about it - crappy day here too. I come to this forum because the vast majority here are courteous and polite...

I'll add a +3.
Fair enough having a pop if a particular company is ruining your life, but taking a dig at just about every watch trader going seems a bit much.

Given that he seems to fancy himself as a bit of an expert, I wouldn't be surprised if it was competitors he was sgging off. All seems a bit unscrupulous to me.

If the OP is scamming the ins company. (And I'm not saying he is). Then I'm sure the visit from the loss adjuster will sort things out better than some insults on an internet forum.

[205lad]

Point taken gentlemen. From now on I'll temper my responses according to your obviously fragile sensibilities.

[baz1950]

205lad said:

Point taken gentlemen. From now on I'll temper my responses according to your obviously fragile sensibilities.

Oh dear
Perhaps you need to practice your verbal intercourse skills with some grown ups mate, then return here for adult conversation and constructional exchanges of views.

[205lad]

baz1950 said:

205lad said:

Point taken gentlemen. From now on I'll temper my responses according to your obviously fragile sensibilities.

Oh dear
Perhaps you need to practice your verbal intercourse skills with some grown ups mate, then return here for adult conversation and constructional exchanges of views.

I take it my offer of an olive branch isn't welcome then? FYI I'm not and neither do I want to be your 'mate' either.

Perhaps we could keep the discussion on the subject of watches rather than this BS?

[535dman]

Edited by 535dman on Thursday 14th August 12:55

[GC8]

Irrespective of whether the OP is honest, the way that he proposes to go about substantiating his claim bears all the hallmarks of a dishonest person making a poorly conceived insurance claim.

Do not even consider trying to use a cheap box nor a falsified receipt: all thats does is create the opportunity for an honest claim to be denied. Your insurers can not insist on an original box/guarantee/receipt. If you have a photograph or a repair receipt that will do perfectly well. Failing that a letter of confirmation from a person of good character can not be dismissed. Remember that you arent dealing with the insurance combany here, youre dealing with someone in an admin centre whose looking to move this over their desk as quickly as possible.

Edited by GC8 on Thursday 14th August 14:39

[205lad]

GC8 said:

Irrespective of whether the OP is honest, the way that he proposes to go about substantiating his claim bears all the hallmarks of a dishonest person making a poorly conceived insurance claim.

Exactly my point, I wasn't stating he was trying to defraud them and made that very clear. At least so I had thought.

[silver.fox.2008]

+1

I wouldn't recommend trying to get papers and submitting them to the insurance company. They'll boot it out if they find out and the Ombudsman won't back you up.

Best solution is to try and find some photos of the watch (which i'm sure there should be a least one)

Worse case you might be limited on how much you will get. Majority of insurance policies will state that anything over a certain amount (e.g £250) will need proof of ownership. Check your policy.

If its only worth £500 just accept the amount they offer you and put it down to experience.

I doubt they can refuse the claim fully and to be fair I don't think they will argue over a small amount. They want to see that you've at least tried to substantiate your claim by searching for proof of ownership. They want to make you work a little for the money.

Edited by silver.fox.2008 on Friday 15th August 16:45

[zelbo]

You should not have any trouble with the insurace company, we put through about 50 - 100 watch claims per year for customers, and the vast majority of them dont have the original recipt.

Also its your right to choose where you replace the goods from, if you would rather go to you local independent for example rather than a large chain.

Best thing would be to go into your local Tag Heuer dealer and work out what the exact watch you lost, the dealer should have old reference books etc then get them to write you a letter for your insurance company, for the current replacement value (they may charge a small fee for this, but often will refund it back if you replace the goods through them)