Yes, thats good advice. thankyou

Hello, Looking for a bit of advice. My husband owns a car and a van and insured in his name. I am a named driver on the car and in 2016 i crashed into the rear of another car. The claims process went well with no problems and his no claims bonus was protected. When we renewed the car insurance it only increased £45. My husband went online to get a quote for the van but it wouldnt take the payment and said that he would need to call. when he called they said that their system flagged that there was a claim that he didnt disclose (The one i had in the car) He said to them that he didnt think he needed to as it was me who caused the accident on his car policy. I am not named on the van policy. So the quote online jumped from £236 to £519 When i had the accident he phoned his van insurance to tell them and they said that because i was no on the van policy there would be no increase in the policy Thanks

Not really an update as nothing much has changed. Emailed insurers - they said the complaint/decision is with the Loss adjusters and they forwarded the email to them. So I pay premiums with the Insurer, have a contract with them and they don't have a say on our claim ? 1 week later got a letter from them stating the standard 8 week time limit to investigate the claim. I know they will most likely wait till the last week and their decision will still be the same, so know that I will probably end up going to the Ombudsman and not backing down. They can make the decision and if they dont agree with me then that's fair enough. As the claim was passed and they had initially made a cash settlement offer, we have started the repairs anyway as there was no way we could wait on them making the decision on the flooring.

unclebulgaria67 thankyou for your reply.

Update: Called the insurer and the claims handler on the phone agreed with me that it should be covered but as the claim was the adjusters job/case, then it would be up to him.........just got an email from the adjuster and hes firmly standing by his decision as the policy covers damaged area only and not any undamaged matching areas. He has made a cash offer but even that doesnt cover the full cost of repairs. w

Thank you for all the advice. I'll give it a try and see what happens. Thank you

Hello, After having a flood, a loss adjuster came to our house. The water has damaged our downstairs hall laminate flooring which is laid throughout our hall and into our lounge which has no threshold bars at the door. As the flooring is through and through i assumed that the whole lot would be replaced but he has advised that the insurer will only pay for the hall floor and they will put a threshold bar in place at the door. Is this the norm ? The floor was laid by a joiner and i didnt want a bar between the door as it was the same flooring. The floor was done around 4 years ago and the shop that supplied it no longer stocks it. Thankyou