http://www.moneysupermarket.com/community/forums/home-insurance-17.aspxenCommunityServer 2.1 (Debug Build: 0.5)http://www.moneysupermarket.com/community/forums/t/new-for-old-and-equivalent-replacement-39903.aspxTue, 24 Nov 2009 21:23:53 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169610shoshola2http://www.moneysupermarket.com/community/forums/t/new-for-old-and-equivalent-replacement-39903.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=169610 Hi there I recently made a claim under the accidental damage terms of my home insurance policy from GreenBee insurance underwritten by AXA. The claim was for accidental damage to my TV. The claim has been excepted as valid and as such a claims handling service, BEValued, was appointed on behalf of GreenBee/AXA to proces my claim. They arranged for an engineer from Comet to visit my home to assess the damage and decide upon a course of action. The decision made was to replace the television as the repair was considered uneconomical. Allegedly the claims are processed and the reports may take 72hrs and then a further 24hrs to offer a settlement. Well a week later still no contact had been made so I called them myself. Already riled at this stage for lack of contact, the telephonist told me that the decision was to replace the product with an alternative etc. under the terms of my policy. Whether they would ever have called me is another matter. I decided to have a look at what they proposed to see if it was suitable. My original TV was a plasma screen from Pioneer model PDP436XDE costing about £2500 and a set of Pioneer speakers about £200 to hear the sound, no integral speakers. Looking at my suggested alternative it is a set from Panasonic TX-P42V10B which I would be obliged to get from Comet, their so-called authorised supplier, and retailing for £1099. To me this does not seem like a fair alternative but I'm told that as Pioneer no longer make TV's this is considered a fair replacement. Ultimately I would like the same TV but if this is not available I'll take another Pioneer product and if not the same size at least a larger one, not the smaller one they suggest, or another brand of the same sort of value as my own. It seems a poor excuse on the part of the suppliers to offer me the cheapest product that closely matches my own. Part of the reason for buying the original was for it's appearance when off and when switched on. To my mind the replacement is ugly and imposing. How does one go about resolving this dispute? The underwriters AXA say that if I can find my obsolete one somewhere they would have to payout for that. Is it fair to expect them to pay for a different all be it more expensive Pioneer TV if one is available? All help appreciated. http://www.moneysupermarket.com/community/forums/t/insurance-claim-refused-39865.aspxMon, 23 Nov 2009 17:09:18 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169477runningwolf3http://www.moneysupermarket.com/community/forums/t/insurance-claim-refused-39865.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=169477Hi, Im after some advice. I made a home insurance claim 2 months ago as i split a vase of water over my tv, dvd player, xbox 360 and original xbox. The insurance company refused the tv claim as i had it disposed of due to no room to keep it in our house as we live in a tiny one. They refused it due to not being able to inspect it. I accepted that as it was my mistake. The other items have been inspected by them. This is what they have said. They are refusing the claim as the dvd player although it had water ingress inside the unit, water marks were present on top. This showed that i didnt wipe away the water and do my best to stop the water. I said i hadnt realised the water had gone that far back as i didnt pull the unit out from under the shelf. The xbox 360. They have said although water ingress is present on the motherboard the xbox overheated and now has the three red rings and also the microsoft seal is broken. I brought it secondhand so did not know it had been opened. This is a known xbox problem and not caused by water. I stated before to them in my statement that i had continued to play the 360 after the incident as i thought the water didnt cause any damaged and the the three red rings started 3 days after the accident. I was advised by a friend to put in the claim as once water gets on motherboard it corrodes and will cause future problems. The original xbox was modified by myself several years ago, which included a bigger HDD. They refused this as 4 screws were missing and its been modifed. They said water is present on motherboard which will cause future corrosion. But the HDD is not working due to it not being flashed properly and not because of the water. I stated i had taken the modified chip out so it wouldnt work anyway, but water was present on motherboard which will cause it to corrode and fail to work further down the line. Any advice on if i can fight this or not would be great. Sorry its so long. Many thankshttp://www.moneysupermarket.com/community/forums/t/spillage-please-help-39681.aspxSat, 14 Nov 2009 01:08:13 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168665m11c3http://www.moneysupermarket.com/community/forums/t/spillage-please-help-39681.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=168665Hi there, I've just been an absolute idiot and spilt milk all over my bed!! I have home insurance, contents, with Churchill and I was just wondering whether I will be covered? It is really beginning to smell and I've been sleeping on the sofa! I am totally new to the insurance game, and it is going through my parents policy as I live in their house. Currently there is another claim going through about a broken sink, in which my sister dropped a container of cream which cracked the sink! So generally wondering whether this can actually be claimed under home insurance and whether the other claim will affect it. Many thanks :)http://www.moneysupermarket.com/community/forums/t/bad-claim-settlement-offer-39474.aspxThu, 05 Nov 2009 18:50:25 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167897skankzzz8http://www.moneysupermarket.com/community/forums/t/bad-claim-settlement-offer-39474.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=167897 Hi All, My property was flooded a few weeks ago. Home insurance policy is oaying out but I have received a really low settlement offer, cut by a third. Can I reject it? Thanks http://www.moneysupermarket.com/community/forums/t/firemen-breakin-to-put-out-fire-cant-claim-on-ins-39679.aspxFri, 13 Nov 2009 21:01:17 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168657Aus_Lynn3http://www.moneysupermarket.com/community/forums/t/firemen-breakin-to-put-out-fire-cant-claim-on-ins-39679.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=168657No-one at home so neighbour called 999 on hearing smoke alarm. Firemen saw smoke coming from oven grill & broke front door lock & surround to gain entry. Thankfully, no further fire damage at all due to quick emergency treatment BUT insurance company won't pay out for damage to door, saying this isn't covered under buildings or contents insurance! If they hadn't broken in, there would have been much more fire & smoke damage. Our family can't believe this ridiculous insurance farce!http://www.moneysupermarket.com/community/forums/t/buildings-insurance-contents-insurance-and-home-i-39429.aspxWed, 04 Nov 2009 08:34:38 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167694lynz251http://www.moneysupermarket.com/community/forums/t/buildings-insurance-contents-insurance-and-home-i-39429.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=167694 Hi there, I have recently bought a new flat and it has a "block buildings insurance policy". I have now also purchased contents insurance for my flat. My question is do I still need home insurance as well? I havent a clue what the difference is and want to make sure I'm covered if e.g. a pipe was to burst in my bathroom or something?! Any help is gratefully received! Lynsay :o) http://www.moneysupermarket.com/community/forums/t/contents-insurance-been-burgled-39412.aspxTue, 03 Nov 2009 12:38:14 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167626zmann1http://www.moneysupermarket.com/community/forums/t/contents-insurance-been-burgled-39412.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=167626hi i was burgled last week got most of my valuables i have contacted nationwide who are my insurance people and they have asked for receipts for all my itemss or proof of ownership i have managed to find manuals for my laptop and camcorder is this good enough i dont have receipts we through them away theitems are less than a year old and were paid for in cash at christmas i also have no proof of other item as pictures of me wearing them are all on my lap top or camera which they also stole.i have only been in my house 3 weeks and its our first mortgage so we have only just got contents insurance and made our first payment were worried its going to look dodgy because of this but were not dishonest people our house as all the right locks as its a new build.http://www.moneysupermarket.com/community/forums/t/homecontents-insurance-38951.aspxMon, 12 Oct 2009 19:40:03 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165739suziem9http://www.moneysupermarket.com/community/forums/t/homecontents-insurance-38951.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=165739 Just been watching the TV about insurance. Does anyone know how far back you have to go with criminal records. Do home insurers do the same as car insurers and say after five years they are spent. I've been with my insurer about ten years now, I don't remember being asked if any of the household had any criminal convictions when I took out the insurance. Since then my husband has received a caution (about 2 years ago) and I haven't told them as I didn't know I had to. Since having my insurance I've had about 3 claims. before my husbands caution, and don't want to be landed with having to pay back the money like the lady with Aviva. http://www.moneysupermarket.com/community/forums/t/major-buildings-claim-refused-16342000-37057.aspxMon, 27 Jul 2009 16:52:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:158002pford7559http://www.moneysupermarket.com/community/forums/t/major-buildings-claim-refused-16342000-37057.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=158002 We have a buildings (£1.4m) and contents (£80k) policy with Brit Insurance The property is listed Grade 2 and the buildings cover figure is agreed with Brit as 'full cover' (ie. they surveyed the property). During a storm in 2006, a tree fell down and destroyed a large flint wall around the garden and the total claim came to apx £100k. Brit's loss adjusters handled it badly and things got messy, with Brit disputing the final figure after it had been agreed by their adjusters with the builder. But in the end, it was all settled. Then, in 2008 a drain in the road outside of our property became blocked (seems a landowner on the other side of the highway filled in a drainage ditch). This caused major road flooding every time it rained, resulting in water being splashed up against the flint wall over a period of several months. During this time, we contacted Norfolk CC Highways team and the landowner, but neither did anything substantial until a section of the wall finally collapsed due to the water damage. I registered a claim with Brit and they appointed a loss adjuster. This loss adjuster came and did his investigations etc. he then recommended settlement of the claim to Brit. However, someone in Brit's senior surveying team (who worked on the original tree damage claim) became involved and declined the claim on the basis that it was due to 'gradually operating cause' and not 'flood damage'. Whilst the damage did occur over a period of several months, I don't see what else I as a householder could have done to prevent the damage. Since the wall is listed, I am legally obliged to reinstate (quotes have been £42k) but I don't have the money to do this. Do I have a case for taking this to the ombudsman? http://www.moneysupermarket.com/community/forums/t/homeinsurer-house-insurance-38804.aspxTue, 06 Oct 2009 20:43:15 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165194dellac2http://www.moneysupermarket.com/community/forums/t/homeinsurer-house-insurance-38804.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=165194 Anybody had any problems with homeinsurer.co.uk. They seem to come up as the cheapest house insurer at the moment on all price comparison web sites, including full accidental damage, personal possessions and legal cover etc. Just wondering whether its worth it or should I just go with Aviva, a company i know about but only half accidental damage (no DIY disasters etc), no personal possessions and more excess and more expensive. Any ideas, thanks http://www.moneysupermarket.com/community/forums/t/house-insurance-38505.aspxThu, 24 Sep 2009 18:54:07 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164090adele bedford17http://www.moneysupermarket.com/community/forums/t/house-insurance-38505.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=164090We have just moved into our new house (like 2 days ago). I had our house insurance quote but couldn't confirm it cos I needed to find out what locks were on the doors & windows. So I purchased the house insurance yesterday. Today when I had some builders round to give some quotes for new bathrooms they mentioned that the house was wonkey. On further examination it would appear that the whole house seems to be tilted to the front right corner of the house. What do we do now and will it be covered on the house insurance?http://www.moneysupermarket.com/community/forums/t/can-i-claim-on-my-insurance-38769.aspxMon, 05 Oct 2009 13:05:50 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165042catastrophy2http://www.moneysupermarket.com/community/forums/t/can-i-claim-on-my-insurance-38769.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=165042 Last November, I spent over £500.00 having repairs done to the bay window roof and main roof on my property and have an invoice detailing work done and amount paid. In June this year I noticed a small damp patch on the ceiling under the baywindow, I contacted the contractor who carried ou the work and eventually he sent someone to look at the roof and then advised me they had refastened the lead flashing and all should be ok. A couple of weeks later we had a heavy rain fall and an this time quite a lot of water came through and wet the lounge floor, I again rang the builder concerned who did come out and look but tried to convince me the problem was not the bay roof but pointing! I also contacted my insurance company at this point as we had another leak in the bathroom ceiling due to cement being washed out from between the ridging tiles, another job the same contrator had done. Because the ceiling by this time had bowed due to water damage and the builder was taking no reponsibility, I contacted The insurance company, they sent out a builder to check that the ceiling was safe and to stop further water leaking through and a surveyor a few days later. The claim was refused by the insurance as they put it down to wear and tear even though I had proof we had had maintenance work carried out less than 12 months previously. A week after this, during further heavy rain and thunder storm, the ceiling collapsed under the bay window causing damage to contents. I contacted the insurers again and they have agreed to cover the cost of damage to the contents under accidental damage but not the repair to the building. So far it has cost me £2,000 to get the neccessary work done to repair the damage to the building. Although I am informed that I can make a claim through the court against the builder doing the original work; this will obvioulsy take time and cost me more money and there is no gaurantee I will recover the costs. Do I have any further claim against the insurance in these circumstances; particularly as they sent a builder out to check and make safe the ceiling a week before it collpased, as I do feel that the extent of the damage that occured could have been prevented if it had been attended to correctly at this time as the ceiling obviously was not safe. Any advice would be helpful on what I should do next...... http://www.moneysupermarket.com/community/forums/t/house-insurnace-second-home-38761.aspxMon, 05 Oct 2009 11:37:26 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165028tt lady1http://www.moneysupermarket.com/community/forums/t/house-insurnace-second-home-38761.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=165028 Anybody got any ideas where I can get contents insurance for a second residential home ? I've tried the comparison tool but after ringing the best 4 up find that none of them will cover a second (mainly weekday occupied) property. I've asked a broker but the person there who usually deals with these type of enquiries is on holiday ! Any ideas ???? Also should I tell the insurers of our first / main residence that we've got a second place ? http://www.moneysupermarket.com/community/forums/t/insurance-declared-void-35196.aspxTue, 19 May 2009 18:36:32 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:150886grok8http://www.moneysupermarket.com/community/forums/t/insurance-declared-void-35196.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=150886 I have just had my insurance declared void from april 08 start following a claim I started. During the claim investigation which I subsequently stopped (new hard drive on laptop fixed the issue), it became apparent that I had failed to disclose a previous loss/claim (2 in fact that were paid out, 1 which I again did not go through - all of these were over a period of 5 years). I advised them this was a honest mistake (my wife used the esure renewal notice which stated 50% NCD - while applying online to MoreTh>n) I have tried for the past week to get re-insured and the response is simply from brokers and companys direct - sorry underwriters confirm we cannot insure you!! I fear that a genuine mistake is going to cost me my house let alone all the car insurance and travek insurance I will need to take out. I am hoping to appeal this decision and have contacted the Financial Ombudsman but surely this has happend to others in the past? Is there a place for people like me to get insurance? I am worried my mortgae will be pulled based on me not having Building insurance. MoreTh>n will not speak to me other than the individual claim inspector that flagged this but he has failed to return any of my calls. Any ideas or suggestion on how I get myself out of this hole, I am so worried about this as it appears my home in North London is also onthe flood risk flag. Gabriel http://www.moneysupermarket.com/community/forums/t/home-insurance-claim-38622.aspxTue, 29 Sep 2009 18:13:20 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164485MOFFITT2http://www.moneysupermarket.com/community/forums/t/home-insurance-claim-38622.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=164485 Hi Peeps Recently I had a building insurance claim refused. The company stated that the defect was down to poor workmanship. To explain the history in a nutshell. I purchased my property in May 2008. The house had been renovated before my purchase. In June/July 2009 during the heavy rains, my bay roof leaked and deposited much water in my lounge over a period of a few days. It was evident that the roof was included in the renovation by the new slates and leading. To cut a long story short, the insurance company assessed it and refused the claim citing the above reason. They stated that I ought to contact the previous owner and ask them to make good the damage. There had been no history of issues of this problem in the year that I have had this property and I could see the previous owner showing me the middle finger if I approached them. Since then I have arranged for some remedial work in order to get to a time I can get the problem fixed properly. I really want to know, were the insurance company right in their assessment? Surely most building issues are down to some form of poor workmanship bar the usual factors of time, wear and tear. Have I gone past a certain date where I can object to their refusal? I do apologise I have left it so late to get advice, but what prompted me today was that work colleague has just had major claim accepted due to her year old en suite water pipes bursting and bringing her ceiling down in her lounge. I admit that the small print does state that they do not cover bad work, but this work wasnt undertaken by me, it was done previous to my ownership. Your thougts and advise will be extremely appreciated. Regards http://www.moneysupermarket.com/community/forums/t/contents-in-container-storage-38539.aspxFri, 25 Sep 2009 18:35:48 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:164168Bowdeeni2http://www.moneysupermarket.com/community/forums/t/contents-in-container-storage-38539.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=164168I'm moving out of my house whilst I have some major renovation work completed, going to store furniture and household items in a secure storage container in the garden for up to 10 weeks. My insurer advises that they will only cover my contents within a container for up to 30 days!? I've contacted the container company, they don't offer insurance. Can anyone recommend an insurance company who would insure my contents in this situation?http://www.moneysupermarket.com/community/forums/t/contents-insurance-when-overseas-gt45-days-38448.aspxTue, 22 Sep 2009 18:38:57 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163889smudger_smith4http://www.moneysupermarket.com/community/forums/t/contents-insurance-when-overseas-gt45-days-38448.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163889 My partner and I are planning a trip overseas and want to know how we can get contents insurance as the house will be unoccupied for more than 60 days. Whilst we will have a friend popping into the property to check on a weekly basis, they will not be living there, so we cannot claim the house is 'occupied'. Are there specialist insurers we should be investigating? Any advice you can give would be gratefully received !! Thanks. http://www.moneysupermarket.com/community/forums/t/cancelling-insurance-policies-38441.aspxTue, 22 Sep 2009 12:42:08 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163859Karlos!1http://www.moneysupermarket.com/community/forums/t/cancelling-insurance-policies-38441.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163859 Hello I am currently trying to sort out my finances, I have been very disorganised in the past but I'm trying to take control! Basically my Home contents & building insurance renewed itself automatically this year, and it went from £35 to £50 per month. This was back in June, am I able to cancel the policy by simply stopping the payments? I never signed anything. Also I have been paying life assurance to the same company since I took out my first mortgage some five years ago, again can I just cancel as I have never had any updates or correspondence with this particular company in five years! they just keep taking the money. I am currently paying £35 for this but I think I can get it quite a bit cheaper. http://www.moneysupermarket.com/community/forums/t/house-contents-claim-when-burglar-alarm-not-set-38434.aspxMon, 21 Sep 2009 21:54:48 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163813jul1http://www.moneysupermarket.com/community/forums/t/house-contents-claim-when-burglar-alarm-not-set-38434.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163813we have house contents cover with halifax. We were broken into today while we were out of the house for 3 hours and neglected to set the alarm. Having scoured the policy booklet there is no mention of burglar alarms anywhere except a general reference to them under security advice. However, our schedule does mention a discount for security amongst several others such as staff, neighbourhood watch, promotional, valued customer etc, so I assume we told them we had a burglar alarm at some point. Does anone have experience of this situation. Can they significantly reduce/refuse a claim even when there is no mention of it on the policy booklet? Thanks for advice. http://www.moneysupermarket.com/community/forums/t/building-insurance-for-council-tenant-38414.aspxMon, 21 Sep 2009 12:30:26 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163741freedboom1http://www.moneysupermarket.com/community/forums/t/building-insurance-for-council-tenant-38414.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163741 Hi sorry if this has been covered, looked but couldn't find an answer. I am a council tenant whose house burnt down, the insurance I have been told have paid out to rebuild. My query is, do I have any say in the way things are being done, ie; I went in there on saturday to find emulsion being painted over the top of smokey walls, no smoke sealer in sight, emulsion over gloss frames, no rubbing down, I have been told this morning that it is fine to do what they are doing, all electrics being surface run old wiring cut off and left. I have been told by the council that a new kitchen and bathroom will be put in to their specifications, not replacing what I had done previously. I spent hundreds of pounds on fitting my own kitchen, do they not have to put it back as it was? My bathroom was fully tiled I have been told that if they cannot salvage mine that they only have to put in new suite and put two rows of white plain tiles along bath, I thought that building insurance covered anything that was not able to be moved ie bathroom kitchen. I am really stressed at the cowboy antics of the jack of all trades that claims to have pressure tested the pipework, yet my OH is a heating engineer and says they need to heat it up and put it under pressure to check for leaks, the same man doing the pipe work is also the painter who is smoking in my home when told not too. And now he is telling me he is not aloud to let me in to look at how things are going. http://www.moneysupermarket.com/community/forums/t/approved-suppliers-38383.aspxSun, 20 Sep 2009 08:01:53 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163645Gillebean3http://www.moneysupermarket.com/community/forums/t/approved-suppliers-38383.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163645 Hi all, Here is my problem. I recently have had to make a claim on my home insurance policy which I have been with for over 20yrs (originally C.U Elite Key Plan which was twice taken over but I was assured under the same terms & conditions,so it's now Aviva) with only one minor claim over 10yrs ago. My recent claim is for my daughters bedroom carpet ( a carpet which is matched and fitted throughout the house) she spill t hot leg wax over it (GRRRRRRRRRRR teenage kids). The Insurance company ( Aviva) sent a specialist cleaning company in from Chemdry but the carpet was deemed ruined.Next they sent in somebody from a company called Independent Inspections Ltd to evaluate the cost of replacement. My problems are these. 1. I would like to use the original company who fitted the carpet (they still have the original fitter who fitted the carpet working for them).The inspector told me I had to use one of their approved suppliers. 2.When I had the original carpet fitted they removed and replaced the furniture from the room and disposed of the old carpet,the assessor told me I would have to do this,I'm too old for that. 3. The value the assessor puts on the claim using suppliers like Carpetright,B&Q,Carpets4less and other establishments I'd NEVER frequent is about £70 different from the original supplier,who WILL removed and replace the furniture and dispose of the ruined carpet. Can I insist on the original supplier ? BTW the policy was new for old accidental cover.http://www.moneysupermarket.com/community/forums/t/jr-clare-38312.aspxWed, 16 Sep 2009 11:56:09 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163248willmington6http://www.moneysupermarket.com/community/forums/t/jr-clare-38312.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163248 My buildings & contents insurance is due soon and JR Clare came up as one of the cheapest quotes. I have never heard of this insurer but understand that they fall into the category of Mid / High Net Home Insurers. In the first instance is this correct please? Wonder if I may also ask the following questions 1. Can anyone provide me with any further info/details on JR Clare. 2. How does JR Clare stack up not just as regards smaller contents claims but in respect of wider/more expensive issues such as subsidence / storm damage, or other such issues. 3. As regards the buildings insurance [or indeed contents], is there anything that is unusual in terms of restrictions or other conditions/exclusions. I am planning on reading the full T&Cs. Any info much appreciated Cheers http://www.moneysupermarket.com/community/forums/t/home-contents-insurance-claim-palavar-38333.aspxThu, 17 Sep 2009 16:41:36 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163408Billie804http://www.moneysupermarket.com/community/forums/t/home-contents-insurance-claim-palavar-38333.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163408 I had an accidental damage home contents insurance policy with Lloyds TSB, underwritten by Groupama. I placed an accidental damage claim in June for my 4 year old Kenwood food mixer, which by the way cost me £400. I was told an repairman had to come and take it away for inspection. They did this & told me it will be returned within 7days. I heard nothing so i gave the repair people 2 weeks from the date they took it before ringing them about it. All the guy would say is, i've passed the report onto your insurance co. contact them. So i rang Groupama up who said we've sent you a letter in the post about it. A few days letter i received a letter saying we've refused your claim on that basis that the cogs on the mixer were well used & worn & that the mixer was well used. I rang them up to argue that of course it was well used, it was 4 years old! The guy who i spoke to was very rude & accusing, he blatantly said i was making false claims. I'm currently 7months pregnant & throughout the first 5months of my pregnancy i suffered from complications meaning i was too ill to deal with any of this. As i was ill at the time of this phone call, i left it at that for the time being thinking that i will call again. This was in July or August. I rang them again last week and they once again declined the claim & when i asked for my mixer back they said it had been disposed off! I'm so angry with them for getting rid of my perfectly good albiet slightly damaged, food mixer. I was called back by the supervisor & was told yes they should have told me there was a time limit on how long they can hold items but they can't do anything about it. Sorry about the long post. I'm so depressed right now, please help/advise me what i can do about this. http://www.moneysupermarket.com/community/forums/t/previous-subsidence-claim-38286.aspxTue, 15 Sep 2009 13:31:24 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:163164GardenTom2http://www.moneysupermarket.com/community/forums/t/previous-subsidence-claim-38286.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=163164I made a claim for subsidence on my unattached garage about 14 years ago, will other insurance companies give me a quote for buildings cover as in the past they havent been very interested?http://www.moneysupermarket.com/community/forums/t/insurance-when-renting-38221.aspxFri, 11 Sep 2009 11:50:47 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:162882jadeak1http://www.moneysupermarket.com/community/forums/t/insurance-when-renting-38221.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=17&PostID=162882I'm looking to move out of home soon to rent my first flat with my partner. We haven't found a place yet (all the ones we like get snapped up too quick) but we know we're looking to move to a furnished one bedroom flat in the Lewisham/Greenwich area of South East London. I'm trying to draw up a budget and was wondering approximately how much a decent contents cover is likely to cost me and which companies would be the best to go with? I was also wondering whether as a tenant I'll need any other cover besides contents? Thanks.