To think this is just stealing.

[Parrotmore]

A couple I know have be redecorating their front room and have been looking at new furniture so the husband purposely knocked paint off the top of his ladder splashing over the sofa, the tv, carpet and some oft he units.
They have claimed and been given Harvey's vouchers to use to replace it all.
Plus the company replaced the tv but as theirs wasn't like for like (old model) they got the newer model.
This is just fraud right??
I'm really disgusted by this and now my opinion of them is that they are just liars.
They think everybody does it and I'm sensitive but I don't think I am.
So Ainu to feel this way. I now wouldn't trust them at all.

[NotAClue82]

yanbu

[Buckinbronco]

Lurking- they're just a company. You're acting like they're the police. The policy booklet isn't law. Insurance is just a product. I don't know why they have everyone so scared of them.

[MyLocal]

Adding to the above, the insurance company told me with a sigh that at least this one wasn't claiming that he couldn't sleep any longer at night, he sees that one on claims regularly.

[StatisticallyChallenged]

Now I'd disagree with that LurkingHusband - accounting is far more boring!

[Buckinbronco]

You can put anything in terms and conditions (and that isn't strictly true, in a previous thread this was claimed and I and others went through our policy and many didn't have it in there anyway)

[LurkingHusband]

Lurking- they're just a company. You're acting like they're the police. The policy booklet isn't law. Insurance is just a product. I don't know why they have everyone so scared of them.

You are correct, of course, so contract law applies. Don't keep the terms of the contract - don't get the benefits. The problem is when you dick around with insurance, you won't find out what they know until you go to claim - at which point it's too late.

[LurkingHusband]

Now I'd disagree with that LurkingHusband - accounting is far more boring!

I guess it depends on what stats you're crunching I love that cholera was eliminated by statistics !

[LurkingHusband]

So assuming you want to be able to drive legally (with insurance) you need to comply with their terms and conditions so you don't end up uninsurable.

Of course, not everyone cares about that

[rumbelina]

I had to jump through hoops to get any payout for (genuine) injuries when a drunk driver lost control and hit me at 70. Medical assessments, medical records, physio, doctor's notes etc. The insurance company tried really hard to wriggle out of it despite hundreds of witnesses including police. I'm amazed these people manage to get whiplash payouts. Amazed and infuriated.

[Buckinbronco]

Contract law also doesn't enforce any old T&C- only the legally enforceable ones. Nearly every contract you sign will contain unenforceable terms.
The company just presumes you won't know enough to realise this, or you will believe that you are legally obliged to adhere to any term you sign.

[Buckinbronco]

Rumblina- another example of a insurance company pretending they didn't have to pay out when in fact, they are legally obliged to (under the road traffic act, despite the fact their T&Cs usually say they don't cover drunk drivers)

[rumbelina]

Should mention I was in a car, not a pedestrian at the time. I was lucky to escape with cuts, bruises and jarred body and neck. The car was a concertina.

[LurkingHusband]

^Contract law also doesn't enforce any old T&C- only the legally enforceable ones. Nearly every contract you sign will contain unenforceable terms.
The company just presumes you won't know enough to realise this, or you will believe that you are legally obliged to adhere to any term you sign.^

Any T&C can be challenged and found unfair - in court. Until then, you're stuck with it.

I'm not a lawyer, so my lack of knowledge of a case where the requirement to report any accident to your insurer has been found "unfair". I am aware, through various channels of many instances where a motor insurance claim has been declined because the policyholder did not adhere to the T&Cs.

You don't need to convince me you're right. Or anyone else here. Just your insurer(s). As long as they're happy with you, what does it matter ?

[rumbelina]

Buckin - the guy had done 9 months in prison before I got paid out. It took 16 months. Bastards all round.

[Buckinbronco]

Doesn't matter to me. We're just on a chat room talking about it aren't we?

Plenty of people dutifully paid their £40 bank charges making banks billions until they were found to be unlawful. Big corporations love the sheep mentality.

[Earlyday]

I work in insurance and can only speak for the company I work for - but with our household policies it's not worth your while claiming for anything minor like this - your No claims bonus discount will be effected and your renewal premium will also be loaded to reflect the fact that you've claimed. Sometimes people claim for things worth a low amount and we try to persuade them it's not worth doing. It's only worth claiming if there's major damage like a big fire or something q

[Buckinbronco]

Rumblina for you. Bastards. That's exactly what insurance is FOR.

[elegantlygrey1]

Insurance companies share information and do not have to renew policies. You may never be prosecuted. It just may be a problem getting insurance.

[wasonthelist]

Buckinbronco

I think big companies have done a good one on you lot to see you this angry about them paying out for a false claim

My upbringing (which I am a prisoner of ) was that being a lying, cheating, theiving corrupt scumbag is wrong, that's the bit that makes me angry.

[wasonthelist]

Buckinbronco

Rumblina- another example of a insurance company pretending they didn't have to pay out when in fact, they are legally obliged to (under the road traffic act, despite the fact their T&Cs usually say they don't cover drunk drivers)

Post your number and we can all get you to deal with the Insurers next time we need to claim :)

[SecretsAndStuff21]

Does anyone know of a person being caught out for repeatedly making false claims?
I ask this because I thought insurance companies shared a database .

[Buckinbronco]

Sadly they won't listen to me more than anyone else notonthelist