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[Field Marshal Dr. Opti]

I've just taken a telephone call from my insurance company.

The man in question informed me that he was a senior claims officer for the company. He apologised profusely for the poor response thus far.  He told me......and I quote.....that he is 'personally taking ownership of the problem' from now on. . He sounded about twelve years old.

He then explained that the unused car parts in my conservatory were not covered by my policy.

These consisted of  Corsa wiper blades x3
                           Omega wiper blades x2
                           Corsa oil filters x3
                           Corsa air filter x1
                           Corsa plugs  x4.....which will probably be fit for purpose.

Don't you just love insurance companies?....

[Sir Tigger KC]

Absolute bastards!    Those Omega wiper blades cost you £2.74 from ECP as well!!     

[powerslinky]

I've just taken a telephone call from my insurance company.

The man in question informed me that he was a senior claims officer for the company. He apologised profusely for the poor response thus far.  He told me......and I quote.....that he is 'personally taking ownership of the problem' from now on. . He sounded about twelve years old.

He then explained that the unused car parts in my conservatory were not covered by my policy.

These consisted of Corsa wiper blades x3
                           Omega wiper blades x2
                           Corsa oil filters x3
                           Corsa air filter x1
                           Corsa plugs  x4.....which will probably be fit for purpose.

Don't you just love insurance companies?....

You could tell him thats all thats left of the corsa & omega that were parked in front of the conservatory

Opti,  on a more serious note, seems like there is something  positive happening now 

[cleggy]

Isn't there a difference between Buildings and Contents even with the same company?
Don't forget the antique long case clock you were borrowing from me
At least some movement, so as Sunday is the staff's day off take Mrs Opti for a nice lunch and use a Taxi

[Kevin Wood]

Doesn't matter what's covered by your policy. Third party are responsible for putting you back where you were pre-incident, including any uninsured losses. OK, your insurance company might not help there, but once you know what's not covered, legal cover should help you get reimbursed for them too.

[Field Marshal Dr. Opti]

Thanks, chaps. humour is always good.

I have another dilemma. I  managed to get a quote for returning the garden to it's former glory. £5000 ish. I have another landscaping company coming tomorrow at eleven.

The 'garden cover' with my insurance (Trinity) is only £350 and they tell me this is the most, by law , they can bill the other insurance company.

It seems I may have to make a second claim against Aviva. Insurance companies seem to have a very cosy arrangement with one another.

[Field Marshal Dr. Opti]

Doesn't matter what's covered by your policy. Third party are responsible for putting you back where you were pre-incident, including any uninsured losses. OK, your insurance company might not help there, but once you know what's not covered, legal cover should help you get reimbursed for them too.

Yes......You are spot on, Kevin.

[Kevin Wood]

The 'garden cover' with my insurance (Trinity) is only £350 and they tell me this is the most, by law , they can bill the other insurance company.

About enough to get someone in the cut the grass, then?

[Field Marshal Dr. Opti]

The 'garden cover' with my insurance (Trinity) is only £350 and they tell me this is the most, by law , they can bill the other insurance company.

About enough to get someone in the cut the grass, then?

....about half of it.

[Field Marshal Dr. Opti]

Isn't there a difference between Buildings and Contents even with the same company?
Don't forget the antique long case clock you were borrowing from me
At least some movement, so as Sunday is the staff's day off take Mrs Opti for a nice lunch and use a Taxi

I won't, Mr Cleggy.

I have four Veyron tyres that I can't claim for either. That's another £40,000 I'm out of pocket.

[TheBoy]

It may be in the same print - when my garage went, I was told that anything for a car was not covered. Check the small print, and he was right.  Silly me, where else should I keep car parts and accessories?

I reckon once all the wheels/tyres/spares/parts/roofbox/roofbars/diagnostics etc etc were taken into account, I was £thousands out of pocket. But ho hum, at least both of us are still here

[Field Marshal Dr. Opti]

It may be in the same print - when my garage went, I was told that anything for a car was not covered. Check the small print, and he was right.  Silly me, where else should I keep car parts and accessories?

I reckon once all the wheels/tyres/spares/parts/roofbox/roofbars/diagnostics etc etc were taken into account, I was £thousands out of [/highlight]pocket. But ho hum, at least both of us are still here

But at least the insurance man had a smile on his face.

As Kevin rightly points out, anything that is not covered by my policy I shall claim  from the lorry drivers insurance.

[jonathanh]

Thanks, chaps. humour is always good.

I have another dilemma. I  managed to get a quote for returning the garden to it's former glory. £5000 ish. I have another landscaping company coming tomorrow at eleven.

The 'garden cover' with my insurance (Trinity) is only £350 and they tell me this is the most, by law , they can bill the other insurance company.

It seems I may have to make a second claim against Aviva. Insurance companies seem to have a very cosy arrangement with one another.

Absolute rubbish.  You are making a claim from the insurer of the lorry - they have a statutory responsibility to cover you as a third party.  Your insurer is being stupid, they are making things up as usual.
If they are saying things " by law" ask them specifically to quote the precise legislation because it does not exist!

this makes my blood boil.....

[Lizzie_Zoom]

Thanks, chaps. humour is always good.

I have another dilemma. I  managed to get a quote for returning the garden to it's former glory. £5000 ish. I have another landscaping company coming tomorrow at eleven.

The 'garden cover' with my insurance (Trinity) is only £350 and they tell me this is the most, by law , they can bill the other insurance company.

It seems I may have to make a second claim against Aviva. Insurance companies seem to have a very cosy arrangement with one another.

Absolute rubbish.  You are making a claim from the insurer of the lorry - they have a statutory responsibility to cover you as a third party.  Your insurer is being stupid, they are making things up as usual.
If they are saying things " by law" ask them specifically to quote the precise legislation because it does not exist!

this makes my blood boil.....

Absolutely right, and I have been saying from the start Opti that you are claiming from the third parties insurance company, the lorry operators insurance company, for ALL costs.  This means you suffer NO loss whatsoever, with them paying you comprehensively for all damages, injuries, including stress, and legal costs, including phone calls.  This is why you should consult your solicitor, a cost you can also reclaim, to aid your claim against the third party's insurance company.

[Field Marshal Dr. Opti]

All information noted and appreciated.