Hi

I can see what you are saying but I think you realise that the Insurers are questioning the veracity of the claim, without actually saying so. They don't believe you took reasonable precautions to prevent the loss. i.e. if you spilled water, you should have pulled out all the equipment and made sure all water was removed from the casings.

If you feel that you can argue your case without a further inspection, you should make a complaint using the Insurers complaints procedure.

Huckster

Hi,

Thanks for your reply. I know people do this on a daily basis as my friend is an engineer for powerplay direct and does these inspections, he was the one who told me to claim them under my insurance.

I believe if the engineers who inspected the items carefully then they would have thought to check the last used date on the 360 HDD which would show that the xbox was still working after the accident happened. Which would then back up my first statement that the three red lights happened after the accident.

I have said i can send in the modified chip which would enable them to start the original xbox up, but as i said before with the HDD working it still doesnt address the issue that water is present on the motherboard. Also i have built many computers over the years and made a living out of it but not once have i heard anywhere that you flash a HDD. You format HDD. You only really need to flash pen drives, chips and motherboards.

I believe if they can make this sort of mistake then god knows what other mistakes have been made.

I refused to have to pay for an independent inspection when they have cleary stated water is present in the items.

Hi

Sorry to say this, but I have sympathy for the position of the Insurance company. You will appreciate that Insurance companies are subject to millions of pounds worth of fraudulent claims, so they will deal with claims as you have outlined. Your claimed event may well be genuine, but you have to put yourself in the shoes of your Insurers. If it was your money being paid out, I would suspect you would have inspected the items very carefully. The people that inspect the items do this on a daily basis, so they should know what they are doing.

All you can do in this situation, is get the items independently inspected yourself and if the reports are in your favour, submit these to Insurers to enable them to reconsider. If they still refuse to settle, you could ask them to issue their final response, so that you could refer the matter to the Financial Ombudsman Service (FOS). The FOS wouldn't be able to look into this properly unless you have obtained the independent reports and have given your Insurers the chance to reconsider. Please be aware that even if you obtained independent reports in your favour, there is no guarantee the FOS would rule in your favour and it could take months for the FOS to issue their decision.

In your shoes I would look into how much it would cost to get a local company to inspect the items and provide a report to decide whether to bother or not. In my opinion, making a complaint to the Insurance company without any contrary professional independent opinion, is unlkely to succeed.

Huckster

Hi,

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 thanks