falcoron

advice on home insurance claim please

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Anyone know how it goes?

i have been paying for over 30 years without ever claiming, put a claim in for the LV's that my grandson damaged ( one speaker only) Claims handler rang me today and after 1 hour 10 mins ( i shit you not) of what i can only call interigation, they said they will proceed with the claim, but they will hand it over to a company called Be value? who they said will handle the repair side of things. Now this is the bit i dont like, the speakers are book matched real wood veneered and after speaking to difinative they gave me a lot of very freindly advice and service supplying me with quotes, and options for repacing the cabinets with new ones or giving me a very generous trade in price against a new pair. Both options would be expensive but i have or had mint speakers worth a fair bit of cash, i mean retail these would be around the £2k mark. Im worried im not going to get a repair that will be totally invisable and leave the unit as new but still match the other speaker so not to look out of place.

I am pushing for new cabinet and as these can only be got in matched pairs im not sure how i will fair.

Any help or advice gratefully accepted.

cheers

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be as firm as you have to be to ensure that the repair is done in a way you will accept. I had a similar episode with the pru a fews back. It took longer, but finished up with what I wanted, nor what they wanted to impose.

When it as all sorted to your satisfaction look at moving to Hisco next time around. I had something similar with a new pair of spen A6's, and they just paid up.

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As Colin said, be firm and stick to your guns. Remember that the claims handler gets a commission on what he can save on payout so don't stand any nonsense, tell them what you want and stick to your guns. provided that your policy has tyhe right amount of cover , they will have to honour the claim.

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Ask for information about whether 'Be Value' have ANY experience of dealing with expensive speakers.

Provide your info already received and-as suggested - insist on getting PROPER service -do it in writing too, as otherwise the Phone person (who won't know your speaker from a tin can) will simplify things to your disadvantage.

Send copies of quotes etc.

They work for you, so get the service YOU want! They aren't doing you a favour, it's what you insure FOR!!

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Excellent as usual guy's thanks. watch this space

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I :sofa: work for an insurance co. on the motor side.

What you need to do is check your policy wording, make sure what you have signed up for.

Most policies will cover you to have them repaired how you want. BUT they will have contracts with preferred suppliers (they get uber special deals) which the claims teams will try to push you towards.

The first thing is check the wording, make sure that you haven't signed up to a policy that allows the co to demand you use their supplier (there are some contracts like this out there)

Then put everything in writing and keep copies.

Be firm and polite, if you aren't getting what you want - complain (it costs at the least £200 for a co just to deal with a straightforward complaint)

If you dont get anywhere pm me and I'll get some more info for you.

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Some thoughts:

The 'interrogation' to which you refer is probably the insurance company using various techniques to substantiate the validity of your claim, including the probable use of voice stress analysers. There are an awful lot of fraudulent/spurious claims about.

You need to carefully check the terms of your insurance policy, as others have said.

In general, you are entitled to put back in the same position as before the accident (subject to T&Cs). It's doubtful you could 'improve' your position, which would be the case with the replacement cabinets, but worth pursuing if they are the only option that will bring you back to the same position you were in. Of course, it may be difficult to prove your position at that stage, unless you have very detailed photos showing the cabinets in great detail and that these photos were taken by you of your speakers.

In any event, it's for sure your policy cost will rise at the next renewal.

Have you spoken with a respected local cabinet maker/repairer/restorer? They may well be able to quote for a proper repair. You could then ask the insurance company to meet that cost, or you could decide to pay yourself to save the claim and hence any future increase in insurance costs (don't forget, it isn't just next year, but quite a few thereafter, depending on over what period you have to declare claims. Insurance companies share information on claims, btw)

In any event, I do hope all works out for you. Persistence and patience is called for; shouting and hollering never works IMO&E.

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I think it's the same company I spoke to when my LV drivers got damaged a few years ago. They invited themselves round for a chat and absolutely shat themselves when they saw the hifi, realising they were totally out if their depth when it came to valuing or assessing the damage.

In the end they coughed up full market value for them.

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Super Wammer

I was in insurance management and in claims assessing during my climb up the ladder.

It is the responsibility of the company to indemnify you i.e. put you back in the position you were in before the occurrence. In the case, shall we say, of a broken toilet where the item is no longer manufactured the company would have to replace the whole bathroom suite.

I feel in your case the only satisfactory answer would be to have new cabinets fitted by Kevin Scott. Remind them Avatars are now £4500 new. When the assessor comes get him to speak to Kevin.

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Great advice again guys and thanks everyone for the support.

I have already talked to repair company and they said there would be no guarantee of a perfect prepair. Booked matched as they are.

Lynn at definative has been very very helpfull supplying me with a quote for replacement cabinets and an option of taking the damaged ones as part ex on a new set. i sent pictures to Lynn and the recommendation was that the cabinets are replaced, and as they dont do single cabs the pair would need done, which will include stripping all components, replacing anything dodgy rebuilding testing and post back to me.

thing im worried about is the be value team and how they will value my speakers, they were mint before without a single bleamish.

trade in value from Lynn was £2k. for them damaged.

Will check over my poicy and see what the wording is like, must look out my magnifying glass :)

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Super Wammer

keep us posted, i have had very careful discussions recently re insurance renewal and considered hiscox as dudyw susgested but they were several hundreds more than my quote but no doubt they are good

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checked my policy and matched pairs are covered BUT! only for bathroom suites or kitchens or FIXED furnishings.

So may have a time of it getting sorted but im sticking to my position that a satisfactory repair could not be done. Anyway if they insist they can get these repaired and they do but im not happy with the repair where am i then? The max payment for anyone item if enough cover so not worried there

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Guest

Great advice from wammers.

I regularly deal with customers who Loss Adjusters attempt to royally screw over on high value, specialist items.

Mentioning the words "Financial Ombudsman" works a treat, so check this site out.....

http://tinyurl.com/87jnpnh

ombudsman news

issue 92

February / March 2011

'repair, replace or cash' – disputes about how insurance claims are settled

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checked my policy and matched pairs are covered BUT! only for bathroom suites or kitchens or FIXED furnishings.

Surely your speakers fall under the 'audio-visual' section of your contents policy. Most insurers include accidental damage as part of this cover, which is invariably separate to the other contents' stipulations.

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