Hi there - sorry if this rambles a little.

Some months ago I was unfortunate enough to drop my son's laptop down stairs.

I contacted the Techguys who collected the laptop.

The unit was returned unrepaired a couple of weeks later with no explanation,

I contacted them to be told that the damage was, they considered, excessive

and as such not covered by the terms of the "Whatever Happens" insurance.

I wrote to a Mr Perryment for an explanation and was told that I have abused, misused or neglected the item

and as such, they would not be repairing it.

To cut a long story short, I challenged this and for the next few weeks letters flew back and forth until

I was contacted by one of their claims investigators who conducted a telephone interview with me,

telling me that he would report to DSG, who still insisted that the damage was excessive.

I replied by threatening court action and did indeed issue a claim through the Small Claims Court.

I also sent off £10 to DSG for copies of all documentation relating to my claim, which they sent to me.

I have just received an Allocation Questionnaire and copies of DSG's defence as they are defending my claim.

Within their defence they refer to my cover being cancelled, it was not cancelled,

I changed bank accounts and they did not process my new bank details correctly.

I only discovered this when I rang to book the Laptop in for repair and was told that my cover had been cancelled.

I then rang another number to sort this out (it seems they had mistyped my new account number,

hence no payment was made the previous month and my contract was cancelled).

I paid the payment and was told my contract had been re-instated

I again rang to book the laptop in for repair.

The rest of their evidence centres on their opinion that he damage was excessive and abuse, neglect or misuse is not covered by the policy.

The intention seems to me to portray me as some sort of opportunist, only reinstating my cover when I needed it and then trying to defraud them.

Your comments on my case would be appreciated, along with any tips on what to include in my evidence for the hearing.

Thanks

Geoff

Geoff,

Many Thanks for this posting, I too have a similar issue regarding this " misuse or neglect " get out clause, I will follow this thread with interest

threads 4 yrs old

dx