Home insurance question

Re: Re: Re: Re: Re: Re: Re: Home insurance question

Maybe not i was just trying to help

i could do that then i have a brand spanking new white carpet , think i'll pass thou

Re: Re: Re: Re: Re: Home insurance question

Or maybe a gas explosion which is what were working on at the moment

Re: Re: Re: Re: Re: Re: Home insurance question

haha, bet next door werent amused

Re: Re: Re: Re: Re: Re: Re: Home insurance question

or people 6 streets away - plenty of cars damaged etc because of it

Re: Re: Re: Re: Re: Re: Re: Home insurance question

Its a council house therefore the council are responsible for the works carried out to it

Re: Re: Re: Re: Re: Home insurance question

Bollocks. Somebody could live in a well nice area, never get burgled or have subsidence ever but claim for the most minor of incidents (like your freezer breaking and claiming for the food you lost) on a regular basis and, as claims are kept on a central database that all insurance underwriters can access, they'll know you're a serial claimer even if you take you business elsewhere.

It may not drastically effect you first time. But if you claim for utter shite, they could rate/load your policy premium slightly.

Re: Re: Re: Home insurance question

FFS i was asuming that he HAD accidental cover . i feel that this guy is a little more inteligent than an ant and would have thought he'd allready know this , i didn't want to insult the guy

Re: Re: Re: Re: Home insurance question

I don't think it means you lack intelligence if you're unsure about insurance terms and conditions. For somebody that doesn't work in insurance (I mean Joe Public, not you) all the shite in the small print can be confusing. There's always clauses in there to protect the insurance company

Re: Re: Re: Re: Re: Home insurance question

mate you dont need to tell me bout insurance co's gettin out of paying for claims i deal with it every day as part of the customer complaints dept. but dont worry next time i'll be sure to make dammed sure i know the in's and out before i give further advise to save me the hassel

Re: Re: Re: Re: Home insurance question

i already knew but this morning i couldnt be arsed raking to find my policys so i thought i would ask on here to see if anyone had encoutered these problem's before

why bother taking out insurance if your not going to claim when you have accidents etc...
you might as well not bother in the first place

So true but thats the con of any insurance policy, something that boils my blood.

Especially car insurance...

You have to have it and it costs loads to get it. If you then actually have to claim on it they do anything they can to not give you the money and if they do your premiums rocket

Another one is these 'payment protection' schemes that protect your credit cards etc...again they'll find any little thing to avoid paying out :evil:

Crooks imo.

couldnt agree with you more
but car insurance is a must to protect the innocent parties
but with other policies why bother paying for them if you aint gonna use them when you need to, you might as well just put the premium to one side and use that when needed

Totally, we have to have it (and for good reason) but when innocent people rely on a company they've paid X amount of £'s to repair/replace their car/whatever and the company find some ridiculous clause that means they don't have to pay out, it annoys me - its legalised theft imo