Harder than ever to get disasters paid by insurance

[super jumbe]

Insurers are notorious for using small print and hidden clauses to wriggle out of payouts, but it?s now become even harder for people to get a claim paid, according to new research.

The revelations come as snow and freezing weather leaves a quarter more people having to contact providers with incidents of boiler breakdowns and burst pipes.

Nine insurance brokers in 10 said fewer claims were being paid, while two thirds said they had to fight harder to get a payout, in a survey conducted by the British Insurance Brokers Association (BIBA).

In a report last week, the Financial Ombudsman Service (FOS) also said that insurers are digging their heels in harder in an effort to save money.

The ombudsman has seen a jump of 10% in the number of complaints it receives about insurance over the past year and said the cases are becoming harder to resolve. Many of the complaints relate to car insurance and the way claims are handled.

The FOS said: ?We have continued to see tension between consumers? expectations and insurers? attempts to minimise their costs? This has made cases harder to resolve, with many disputes being escalated to the final stage of our complaints process ? a final decision by an ombudsman.?

[masur123]

Its a disgrace the way insurers can charge you for cover and then refuse to pay out. Car insurance is a legal requirement, and therefore should be closely regulated on price and fairness, but is it? No of course it isnt. The insurers have a free reign to refuse a claim based on loose decisions of there assessors

[super jumbe]

Insurance is becoming pointless if they refuse to pay, why bother if it means fighting with the insurance company's my advice is keep your hard earn money in a bank were you can get high interest?.

[nara]

...my advice is keep your hard earn money in a bank were you can get high interest

Where can I find one?

[Shady]

But what about twisters at well known hardware stores?

Sent from my Motorola Colorado using magic.

[GastonJ]

I've been waiting since the fire at the start of November for a builder to start work. I had thought they'd be around before Christmas, but that was perhaps asking too much. The assessor came a week into November, no problem builder will be in touch, week later builder came round, measured up, since then nada. I'm going to be on the phone next week anyway. As the snow melts it's just going to leak into what's left of the conservatory and ruin everything that the fire didn't.

Very quick to take my premiums and my excess though

[Meat-Head]

Very quick to take my premiums and my excess though

you need to email them - tell them your a VIP member of DK with a Linux based server thats getting cold.

i guess the builder will be wanting to know when he gets paid is the delay

the fact they have your excess and it's over 28 days since you first posted about it, you have a case.

OFF TOPIC:-

This was a LONGGGGGGG time ago, my mom and dad had a problem with some company - no idea how - got hold of phone number for the managing director home number.

after a few 2 am phone calls, the problem in hand was sorted.

HTH

Meat.

[super jumbe]

Originally Posted by nara
Where can I find one?



Google!!!

[bobwill]

I've been waiting since the fire at the start of November for a builder to start work. I had thought they'd be around before Christmas, but that was perhaps asking too much. The assessor came a week into November, no problem builder will be in touch, week later builder came round, measured up, since then nada. I'm going to be on the phone next week anyway. As the snow melts it's just going to leak into what's left of the conservatory and ruin everything that the fire didn't.

Very quick to take my premiums and my excess though

I have done insurance work on house repairs and some insurance companys have rang me up after they have accepted my quote and asked for 10% off if they pay within 30 days,so after getting caught once any firm I knew which asked for discount I added 10 % on quote

[bobwill]

A local farmer was on holiday in Mexico and was in a taxi from airport to hotel when it had a accident killing all in taxi .
Life insurance would not pay out because farmer a few years earlier had a bad headache and doctor sent him for a head
scan to make sure it was not some serious ,scan came back all clear and as the farmer had not told insurance company
about head scan insurance would not pay out. I think he was insured though the bank with the horse

[GastonJ]

I have done insurance work on house repairs and some insurance companys have rang me up after they have accepted my quote and asked for 10% off if they pay within 30 days,so after getting caught once any firm I knew which asked for discount I added 10 % on quote

It's that very same horse company. I'll be calling them tomorrow to ask where they are. I have some mates that own dg and building companies who would have had it rebuilt way before Christmas. Can't believe with the building industry the way it is that a building company would be dragging their feet.

[PremierD]

ON topic Meaty ... stop ****in trolling ......

[Meat-Head]

ON topic Meaty ... stop ****in trolling ......

*CONFUSED*

didn't think it was trolling, steering another member to another thread

anyway going off line to bed.