I have an insurance cover for a dining table. I have actually not had a problem with these sort of things in the past, I have successfully claimed on a Sofa and on a footstool in the past through another company, however Harveys have found a new low in this arena

put simply, I found a stain on my table. I don't specifically recall spilling anything, but no doubt did over Christmas, so as soon as I noticed it, I called the insurance co, had someone come out. They took a look, made several re-assuring comments to me, but then went back and filed a report saying it was a problem that had occurred over time (I had the table 6 months) and not an accidental problem. They wrote to me to tell me that the insurance wouldn't cover this. I complained to Harveys, who sent out their own person from after sales, who told me it was clearly a spillage of some form of liquid, wine, fruit juice etc and then filed that with the after sales people of Harvey last week.

The problem I have now is Harvey say its not a manufacturing problem, so I'm not covered there, but won't release the report to me to prove what they say it is. The central customer services tell me that its an issue I need to take up with MultiMaster. Multimaster tell me their decision is final, although I can pay for an independant specialists report (Harveys have one) for them to review. When I complained officially about the product not being what I was sold, they said its not their issue , I need to talk to the store and you guessed it the Store refuse to deal with me, telling me the after sales team deal with that, who guess what, say its the store

I can see where I'm going here, so I need some help in how best to take this to third parties to expose or complain. I don't have a clue where to start, I'm thinking the financial ombudsman, watchdog and so on and thus any pointers would be great, thanks

bump

does anyone have any advice on where I could take this to for complaints and so on

thanks

any advice from anyone?

What do I quote for example should I pursue a mis-selling of a policy?

You will be best off going to the FOS.

Have you had a final response off the insurer? You should ideally put a complaint in writing to them if you have not done so already. Copy Harveys as well for good measure as both of them have treated you disgracefully.

You can of course get your own report, but it will initially be at your own costs, though you can claim for it if you are successful.