 Re: RSA Group - Water Damage Claim
As an aside, the only call of note (and the only call the ombudsman would have real interest in) would be the intial call with the underwriter, where the terms of the policy were set out.
The FOS has ruled that where an Insured has do to something to physically remain on cover (in this case occupy the house within the 60 day period) it MUST be written in the Insurance contracy CLEARLY. (Just what does OCCUPY mean anyway?!)
The subsequent calls would ONLY have prejudiced the Insurer's position IF the Insured had acted on the information and was now financially prejudiced.
e.g. you replace your TV because the insurer tells you, only to have them repudiate (decline) the claim.
I had to pay out on numerous occasions (in a previous, dead-end type of life with NUI) because of dodgy advice given by underwriters, particularly fronted car policies.
Last edited by daviet1976; 20th July 2008 at 10:11.
Reason: fat fingers
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