Re: I don't know where my bike is!

On Thu, 28 Jul 2005 18:37:35 +0100, "Clive George"
<clive@xxxxxxxxxxxxxxxxxx> wrote:

>"Simon Brooke" <simon@xxxxxxxxxxxxxx> wrote in message
>news:stenr2-pa1.ln1@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
>> in message <dcatn1$da9$1@xxxxxxxxxxxxxxxx>, Vincent Wilcox ('vw@xxxxxxx')
>> wrote:
>>
>>> Well the question is what is peoples experience of home contents
>>> insurance? I am going to claim and its the first time ive ever claimed,
>>> its been paid for long enough may as well use it.
>>
>> My experience (after a burglary, total value of claim £350) is that you
>> get treated like a crook for six months while they try every possible
>> angle to treat it as fraud, threaten you with prosecution, and finally
>> cough up less than a half of the value of the items stolen. This was
>> with a big name company on a 'new for old' policy. The claim was
>> completely straight and I was completely honest with them. Needless to
>> say, I no longer have home contents insurance.
>>
>> My advice: write it off to experience. You don't need that sort of grief,
>> and for a few hundred pounds it isn't worth it.
>
>Not good. My experience is quite the opposite - a couple of claims for flood
>damaged contents, one claim for stuff falling out of the back of the car
>(boot opened on A1, didn't notice for a while) and one for stuff nicked from
>the car. All handled entirely well, new for old. Pity they discontinued that
>particular insurance policy really - especially because the tricky bit they
>had problems with (expensive bikes) was never the bit I claimed on.
>(oh - and one claim a lot longer ago for a nicked bike, and a third party
>one for breaking a car boot while on my bike. Again, both settled with no
>problems).
>
>I'm still behind on the game if you ignore the one expensive flood claim, so
>I don't feel too bad for the poor insurance companies.
>
>cheers,
>clive
>
Dec. 1 2004, my insurance was renewed, house and contents.
Dec. 3 2004, my sons bike was stolen from outside college, they also
took the lock, a daughter of a friend saw the bike locked up when she
left college. Informed Police, got crime number, rang insurance
expecting nothing,but they asked for all details, where, what lock,
crime number, serial number.
Few days later was contacted by a company on behalf of insurance, we
agreed a value and they quoted 2 bikes, went away and had a look,
phoned them back with the one we wanted, took delivery before
christmas.
Didn't have a problem.

Mark T
.

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