charley vs lloyds contents insurance

[charley2212]

hi has anyone successfully had a premium refund upon finding out your not covered for the very thing you take for granted accident cover etc when if you had been explained this , you would of never switched to them in the first place , and they called you in the first place too what a con they had several years of premiums steadiky increasing for no apparent reason double con and when something breaks ie a heated towel rail breaking free from its fixings and falling of the wall causing the bottom pipes to break and spew water all over. tel em and they gave me the news affraid your not covered sir can this be right surely you would expect this cover or am i wrong

[gyzmo]

Wow - seven lines and not a single full stop! Can you state what the actual problem is and what led up to it? Please try and use some punctuation or just bullet point the facts - your post there is a tad difficult to follow

[charley2212]

HI gyzmo , yes sorry about that, over zelous. and new to typing .

well we came home one evening out, and herd an almighty crash ,ran upstairs and found the towel rail on the floor water everywhere . it had come of the fixings and broke the bottom two pipes and flooded bathroom floor , luckily we cleared it up and managed to bung up the pipes and stop the flow, telephoned lloyds whom ive had the premium with and the first thing they said was sorry your not covered for accidental cover bla bla so i switched to another company after moaning and cancelled policy useless as it was, am cheesed of because had i of known your not covered for this ,i would of never of taken out said policy, and they telephoned me one day many moons ago to sell the dam policy too . i am in my fortys and all the policys i have had covered you for this eventuality and was considered normal, my question is can i possibly get some sort of refund from this lot mis sold mis representation or something . many thanks gyzmo and sorry for last post:)

[Mossycat]

The simple answer to that is NO you cannot now ask for a refund.

 

Your insurers quoted a premium and you accepted it, you will have received a policy document which detailed exactly which perils were covered. If you were unhappy that accidental damage was not covered then the time to do something about it was when you received the policy document, they have neither mis-sold or mis-represented anything to you.

 

Just because other policies you may have had in the past covered accidental damage is no guarantee that any new policy you take out will also cover it.

 

My advice would be to always thoroughly check any policy you are considering taking out BEFORE you take it, ask any salient questions and then check the policy wording when it arrives.

 

Mossy

[charley2212]

thank you mossycat, i know where your coming from and your right but i do think that in this day and age to be had over by a large company such as this ,is bad, i think i speak for most people who are approached this way, you simply do not question there integrity because of the fact that they are big and reputable so there fore you do feel safe that your covered, to expect everyone to read the small print in the busy world we live in is nonsense , its 2009 not 1949 and to try and catch people out in this way is more aurther daly than lloyds reputable insurance company , my current policys does cover me for accidental damage because it was stipulated and my buildings insurance combined with the contents is now cheaper than the one contents policy i had with them. i know you should read the small print now, and i am of the nature of nothing ventured nothing gained and on this basis i will contest this with them to the best of my novice ability , hassle ing them might get me somewhere so i will try and i ll keep posting till i get the last no out of them , thank you .

[charley2212]

Well I Feel Better Now Ive Sent Off A Mad Letter Ref This Company And The Duping Of Customers Over The Tel And Running On A Load Of Cobblers And Not Telling Them In Simple Terms That They Are Not Covered Should Any Thing Of Value Break, Who Takes A Policy Out Not To Have This Covered , See What I Get Back:d

[djmetsandy]

Hmm I take it there was not damage to the bathroom by the water?

Yes you may not be cover to re-attach the broken tower rail and pipes but you would be cover for any resultant damage caused to flooring by the escape of water (EOW). EOW is normally described as:

 

"Water escaping from water tanks,

pipes, equipment or

fixed heating systems."

 

Even if you had Accidental Damage (AD) cover to your buildings, they would need to determine the cause of damage, if it was found to be wear & tear then it would have been declined also under the exclusion:

 

"Damage caused by wear and tear, settlement, shrinkage,

vermin, insects, fungus, weather

conditions or anything that

happens gradually."

[charley2212]

had my first reply back saying that they take complaint s seriously, and are looking into my comlpaint, and will be in touch shortlly(a standard reply, we shall see)by the end of may:)

[gyzmo]

Standard response. It may be up to 8 weeks before you get a response. If 8 weeks have gone past, or if you are not justifiably happy with their final response, go to the FOS.

[djmetsandy]

FOS will ensure that the Insurers provide you with a response, they only take over the claim once the Insurers have provided their conclusion whether the complaint is justified or not.

[charley2212]

Hi , Had A Standard Response Letter Back , Which Serves A Purpose As To What They Have Regarding This Issue, Ive Now Replied Ref Their Reply , Having Broken It Down In My Reply So We Will See , Worth A Go For The Cost Of Postage:)

[Wulfyn]

Why do you think this is accidental damage? Did you fall onto the rail and break it?

 

 

What exactly was damaged? What do you want to claim for?

[djmetsandy]

Why do you think this is accidental damage? Did you fall onto the rail and break it?

 

 

What exactly was damaged? What do you want to claim for?

 

This is the point I tried to raise but it got missed...

[charley2212]

just to keep you informed, three leeters from them so far and i am not giving up till i get a result, am presently studying there original cover regs etc , they ve told one large porky so far , wont say any more till complete with a victory or without

[Mossycat]

If you could post up exactly what happened and exactly what was damaged (and by what, ie water or impact etc), we'll see if we can assist you. Also post details of exactly what your insurers are saying.

 

Mossy