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Would you like us to send somebody around so you can make a claim on u


OilIT
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us - off topic

i am stunned, i am in Gloucestershire - which just in case you havent heard has had a bit of a high tide recently !!!

My insurance company has just called me to see if I'm ok, and whether i need to have somebody come around to help me fill in any claim forms !!!!!

Thankfully I got away very lightly - no need for an insurance claim...

Now that is what I call CUSTOMER SERVICE !!!

Think I will renew with them.

Suspect my car which was in for a service with a main dealer on friday and was under about 2.5 feet of water on saturday morning may be more of a fight !!!

Oilit

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they're one of the best insurance claims handlers around

my experience of insurance companies (as in working for them for the last couple of years) has beeen invariably dreadful. Consumers never know their rights and frequently get shafted- in fact it is the norm to get shafted.

Chubb were one of only two that I didn't hate working for

it got so bad in the end that i had to close that side of the business down!

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they're one of the best insurance claims handlers around

my experience of insurance companies (as in working for them for the last couple of years) has beeen invariably dreadful. Consumers never know their rights and frequently get shafted- in fact it is the norm to get shafted.

Chubb were one of only two that I didn't hate working for

it got so bad in the end that i had to close that side of the business down!

Hey Pugwash,

I have to say - I've never claimed - so cant comment about claims handling - and only used them for the past 2 years, but this call out of the blue made we realise they might be good if and when the worst happens !

Whereas, Im still waiting to hear from my Volvo dealer about my drowned car (apprently they are still waiting for their insurance assesor!!!!)

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one little nugget that most people don't know:

most people's contents (based on a replacement cost- which is the only policy worth having) are worth well over £100grand- but most peoples contents insurance is usually set around 60k-70k. In this case what the insurance company does is take the difference between your contents value and the insured value and deduct it from the amount you can claim. ie your contents are worth 100k but you have cover for 60k- your ins co (an this is not only during total loss but any other claim too) will take the difference of 40k and say you wre fraudulently saving yourself premiums on the 40k of uninsured contents so they are only going to insure you for 60k less the uninsured portion (being 40k). Therefore your 100k of contents with 60k of cover will only get you 20k back!!!!! this is devsastating to most families who often have 20k of textiles- they have to make a choice whether to have clothes or a kitchen and bathroom! this is why people should conjure up a figure for contents and add at LEAST 50%.

also your clothes/shoes/coats are NEVER returned on a valuation basis, but haev a reduction of fair wear and tear- usually 50%. it is therefore much muhc much better value to get eveything cleaned by a dry cleaner which can return most stuff to an as new basis (if you can find one who has an ozone chamber and has dealt with lots of fire damage)

You do NOT have to accept everything your adjuster says- in fact you can get public adjusters who will work for you (as opposed to the ins co) and will protect your rights. If your house burns down, go and find a public adjuster quick- they will manage to get tens of thousands more pounds to replace your home that the ins co usually gives.

the insurance industry makes money from investing the premiums it receives in the financial market- it's main costs are claims payouts. They will therefore do every single thing they can to reduce your payout- often illegally. they do NOT care about the policy holder- the main reason being that they know that people will only get a total loss (ie where you ahve to replace 90% of your house) once in their life and therefore don't have a clue what to do.

You MUST remember that you are the one who owns the policy therefore the ins co has to do what you tell them- if you aren't happy with the standard of work then bar the contractors from entering your property and demand that the ins co return your property to it's previous condition. make it clear that you don't want "betterment" but want proper restitution. if necessary threaten them with court action- in these cases it is ALWAYS the person that makes the MOST fuss who gets looked after properly.

oops- rant over

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