Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: Field Marshal Dr. Opti on 25 October 2014, 10:58:26
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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. ;D ;D. 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?.... ;)
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Absolute bastards! :o Those Omega wiper blades cost you £2.74 from ECP as well!! >:( :D ;D
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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. ;D ;D. 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 :y
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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 ;) :y
At least some movement, so as Sunday is the staff's day off take Mrs Opti for a nice lunch and use a Taxi :y
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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.
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Thanks, chaps. humour is always good. :y
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. :-\
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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.
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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? >:(
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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. ;)
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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 ;) :y
At least some movement, so as Sunday is the staff's day off take Mrs Opti for a nice lunch and use a Taxi :y
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. :-X
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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 :)
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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. :-X
As Kevin rightly points out, anything that is not covered by my policy I shall claim from the lorry drivers insurance.
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Thanks, chaps. humour is always good. :y
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.....
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Thanks, chaps. humour is always good. :y
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. :y :y
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All information noted and appreciated. :y
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Spot on Lizzie :y That was our experience when a lorry ploughed our garden :y but it was years ago. ::)
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Thanks, chaps. humour is always good. :y
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.....
Possibly might be if that is the smallprint of the policy ;). At this time, as I understand it, the Lorry company has not admitted liability, so its (currently) all down to the wording of Opti's policy docs.
For example, my outdoor furniture/structures/stuff were only covered up to £1k (plus plants at £250), as that was my policy. With no other 3rd party liability, that's the lot.
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Thanks, chaps. humour is always good. :y
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.....
Possibly might be if that is the smallprint of the policy ;). At this time, as I understand it, the Lorry company has not admitted liability, so its (currently) all down to the wording of Opti's policy docs.
For example, my outdoor furniture/structures/stuff were only covered up to £1k (plus plants at £250), as that was my policy. With no other 3rd party liability, that's the lot.
I do not see it that way as legally it should be straightforward. Opti,s house was stationery at the time being built on foundations that meant it could not move and hit the lorry! No, the lorry hit the house and it is their insurance company who must bear liability and meet all of the claim. A solicitor charged by Opti to take on this case will lay due claim for full and total compensation and failure to meet that claim will end up in court. Opti,s insurance company have nothing to do with this claim, apart from using any legal assistance if his policy covers that, as the claim cannot be disputed unlike when two cars meet; once more the house did not move to hit the lorry, it WAS the other way around!! :y
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Whilst I totally accept Lizzies views, and in an "ideal world" they are totally and 100% correct.
However, we do NOT live in an "ideal world" and the lorry may be un-insured, or insured overseas with very different criteria being applied by the relevant insurer.
As either case risks the dreadful scenario of an "uninsured" outcome that would have to be resolved by taking either/both the driver and the company to court in the UK.. and if they simply don't respond/turn up there is little that can be done ...
then I fully understand Lord Opti's use of his own insurers ... if it all goes to worms the claim will be paid by them, so best to get them on-side (and keep them there by playing nicely) until things start to get resolved ..... liability may not be in dispute, certainly the property did not jump in front of the truck, but the willingness (ability ?) to pay may well be the problem ...
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Thanks, chaps. humour is always good. :y
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.....
Possibly might be if that is the smallprint of the policy ;). At this time, as I understand it, the Lorry company has not admitted liability, so its (currently) all down to the wording of Opti's policy docs.
For example, my outdoor furniture/structures/stuff were only covered up to £1k (plus plants at £250), as that was my policy. With no other 3rd party liability, that's the lot.
I do not see it that way as legally it should be straightforward. Opti,s house was stationery at the time being built on foundations that meant it could not move and hit the lorry! No, the lorry hit the house and it is their insurance company who must bear liability and meet all of the claim. A solicitor charged by Opti to take on this case will lay due claim for full and total compensation and failure to meet that claim will end up in court. Opti,s insurance company have nothing to do with this claim, apart from using any legal assistance if his policy covers that, as the claim cannot be disputed unlike when two cars meet; once more the house did not move to hit the lorry, it WAS the other way around!! :y
Aye, but until liability has been established, either by a court or by one side admitting that, there is no liability. Insurances work in mysterious ways, believe me, they have sent me through every emotion going since July 2013. I'm lucky in that we can now get on with the rest of our lives, as the claim has now been completed (although the house not yet repaired - long story). I feel anguish and anger for what Opti and Mrs Opti have ahead, although their case should be less frustrating than mine as (presumably) only one property involved.