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Hi, hope you can help me I've just made a claim through my insurance for fire damage in my garage. They have agreed to the claim and are willing to pay out but initially they offered it all in Argos gift card but after declining they now offer part in Argos gift card and the rest on a maestro card. Can they do this?

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What they are offering you is in fact a cash settlement and therefore they should offer you cash, not vouchers.


This is from the FOS ( Issue 10)


Policyholders should be allowed to choose where they purchase a replacement and they are entitled to a cash settlement if they cannot find an acceptable alternative. In such circumstances, we would not regard it as reasonable for the insurer to make a deduction from the cash settlement to represent any discount it would have got if the policyholder had bought a replacement from one of the insurer’s nominated suppliers. Nor would it necessarily be appropriate for the insurer to offer vouchers to the policyholder. If the option of replacement is not available, then the only way in which the insurer can indemnify a claimant is by a cash settlement.

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you can ask for a cash settlement - but be prepared for them to reduce the settlement to what they pay (as they'll almost certainly going to get a discount from the voucher supplier). Providing the goods can be replaced, this is perfectly acceptable

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I have accepted the offer on the condition that I can take some cash from the Maestro card.


Is the Maestro card a debit or credit card, will they be able to see what I have purchased on it? if so if its not an item that was specifically listed will they query it?


I've lost on the claim as it is because with will not replace any car related items and as its a garage fire, it was mostly car stuff the got damaged!



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