Omega Owners Forum
Chat Area => General Discussion Area => Topic started by: chrisgixer on 10 January 2014, 20:07:08
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Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.
We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.
And a theft from a car. Lap top, excess made it pointless claiming on that.
Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.
So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?
Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.
Experiences please ladies a gents. :)
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We've had a couple of claims on ours, one weather related, tother diy related :-X
Both times sorted without fuss. May well have been with Tescos but will double check :y
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Direct Line have been exceptionally good on the properties I am involved with - the trace and access clause is standard on their top covers. It is all a question of how you handle their surveyors when they pitch up and start arguing that you are trying to claim betterment when you are not - we had a bit of a battle with a cellar problem but it got sorted.
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Been insured with the AA a few years and had a few claims over the years. No issues and fairly quick tbh. :)
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Thank you gents.
Very careful community on here though. Only 4 people ever claimed? :o
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Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.
We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.
And a theft from a car. Lap top, excess made it pointless claiming on that.
Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.
So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?
Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.
Experiences please ladies a gents. :)
That sounds a little excessive to me.
We pay about £150 for both buildings and contents......don't ask me who with.
Despite the television adverts, insurance companies don't make it easy for people to claim and in my opinion are the lowest form of life.........with the obvious exception of city bankers.
Shop around, Mr Gixer. :y
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Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.
We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.
And a theft from a car. Lap top, excess made it pointless claiming on that.
Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.
So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?
Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.
Experiences please ladies a gents. :)
No.
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Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.
We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.
And a theft from a car. Lap top, excess made it pointless claiming on that.
Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.
So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?
Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.
Experiences please ladies a gents. :)
Yes.
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Ours is up for renewal. Payment shield, part of a Royal Sun Alliance. £37 a month.
We've had a central heating leak under the downstairs concrete floor, they refused to fix the leak but said we had cover for the damage caused. Fat lot of good that is.
And a theft from a car. Lap top, excess made it pointless claiming on that.
Higos through Aviva, £350 pa.
.... flood damage to kitchen due to slow leak from a washing machine hose. Thorough repair in the end but we had to project manage the whole thing ourselves, with daily phone calls chasing up and badgering for progress. This is not what WE, PAY THEM for. 5 months of agro.
So, not good. I'm aware the general understanding is the more you pay the better the service, but is that your experience? How have your claims been dealt with, good bad indifferent?
Is it worth paying extra, or are they all useless so may as well go cheapest as there will be agro claiming no matter the insurer.
Experiences please ladies a gents. :)
That sounds a little excessive to me.
We pay about £150 for both buildings and contents......don't ask me who with.
Despite the television adverts, insurance companies don't make it easy for people to claim and in my opinion are the lowest form of life.........with the obvious exception of city bankers.
Shop around, Mr Gixer. :y
Yes it is expensive, slightly misleading , as its occupied. It's geared more towards "building" rather than "contents" on a buy to let. Plus we've had an extensive claim.
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There is also the area, value, and value of contents of the house.
By value of contents I mean things like lap tops insured away from the property, say in a car. Same with mountain bikes.
Then there's garage contents as well.
Insurance is generally more expensive darn sarf, with higher property values.
We are currently looking at quotes on our residential between £320 and £380 depending on voluntary excess.
Speaking of which, voluntary excess, seems something of a joke so far. £350 excess knocks roughly £50 off the premium. But most of the things likely to be claimed fall into that price range. Like lap tops, iPads, mobile phones and to extent Tv's. To the point it becomes pointless claiming for all but an expensive tv.
Given a voluntary excess of £350. I'd rather pay £380 pa and effectively, have things like lap tops and electrical items "worth" claiming on.
Would these things account for £200 difference in premiums ?
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There is also the area, value, and value of contents of the house.
By value of contents I mean things like lap tops insured away from the property, say in a car. Same with mountain bikes.
Then there's garage contents as well.
Insurance is generally more expensive darn sarf, with higher property values.
We are currently looking at quotes on our residential between £320 and £380 depending on voluntary excess.
Speaking of which, voluntary excess, seems something of a joke so far. £350 excess knocks roughly £50 off the premium. But most of the things likely to be claimed fall into that price range. Like lap tops, iPads, mobile phones and to extent Tv's. To the point it becomes pointless claiming for all but an expensive tv.
Given a voluntary excess of £350. I'd rather pay £380 pa and effectively, have things like lap tops and electrical items "worth" claiming on.
Would these things account for £200 difference in premiums ?
The most successful insurance companies are the one's that that the most profit. I wonder how they achieve this?...... >:( >:(
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In fact, all insurance companies would go in Room 101 should I be invited on the show. ::) ::)
Pet insurance is a particular hate of mine. :(
If you have a young healthy mutt they'll welcome you with open arms (and probably a free pen or crappy satnav).
Try to insure your shagged-out fourteen year old mongrel with a heart condition and loose bowels, and the response will be somewhat different. :-X
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In fact, all insurance companies would go in Room 101 should I be invited on the show. ::) ::)
Pet insurance is a particular hate of mine. :(
If you have a young healthy mutt they'll welcome you with open arms (and probably a free pen or crappy satnav).
Try to insure your shagged-out fourteen year old mongrel with a heart condition and loose bowels, and the response will be somewhat different. :-X
Indeed, our poorly put put is too old to insure. ::)
However, we do have to have buildings insurance, to we might end up owing the Mortgage company an unhealthy amount if money. And realistically we do need contents cover too.
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If it's for your rental Chris, try www.simplelandlordsinsurance.com
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I think previous claim history has a lot to do with prices. Business sense says that if you have made a few claims in the £200 to £400 region in recent years, its likely you'll do so again, so they need to ensure their costs are covered by excess or premiums.
Over the last generation we've become a claim culture people, claiming for clumsiness (or downright fraud by chucking mobiles in the bog, and claiming its an accident) and expecting insurance to cough up. And we claim whiplash for carpark knocks. And we then complain when insurance goes up, and insist that insurance is a rip off.
I have only met a few people here, so dont mean to tar any1 with the same brush and not suggesting any1 here does that but we all know inside that it happens.
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I think previous claim history has a lot to do with prices. Business sense says that if you have made a few claims in the £200 to £400 region in recent years, its likely you'll do so again, so they need to ensure their costs are covered by excess or premiums.
Over the last generation we've become a claim culture people, claiming for clumsiness (or downright fraud by chucking mobiles in the bog, and claiming its an accident) and expecting insurance to cough up. And we claim whiplash for carpark knocks. And we then complain when insurance goes up, and insist that insurance is a rip off.
I have only met a few people here, so dont mean to tar any1 with the same brush and not suggesting any1 here does that but we all know inside that it happens.
Any experience with these policy's Mike? :)
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We were insured with Nationwide for 15 years and didn't make a single claim during that time. As is the norm, they delighted in loading the premium year after year to show me what a 'valued' customer I was. :( :(
Eventually we found another company that offered the same level of cover for 70% LESS.
Nationwide refused to offer ANY reduction on our policy so we switched........which we now do on a regular basis.
During our 15 years at Nationwide we paid something approaching £5000 in premiums. :(
........What's that thing about shooting them in front of their family?..... ;) ::) ;)
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Any experience with these policy's Mike? :)
No I never had to claim on house insurance. Abilities not up to what I think my abilities are I've had plenty of claims on motor insurance.
My house insurance is cheap and motor is dear even with a 500 excess
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It's looking like Zurich so far.
Anyone used them ?
Sorry to keep on. :-\
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Errr, uhmmm, well, errr, I may have a small claim on my house insurance ::)
Mine is with RSA, brokered via AA. Renewal has come through, and I think we are going to renew with the same, partly because it hasn't jumped as much as I thought it would (in fact, I was amazed how cheap the renewal is), and also the ease factor as claim is still ongoing, so may be easier to remain a customer for now.
The policy, aside from a restriction on car parts/accessories, seems to be better than most AFAICT, though the claim has not yet been settled. Certainly, the hassles my neighbours who were also affected by the incident are having, mine seems to be dealt with quite well as far as insurance goes.
Mrs TB deals with all the home insurance, so she'll know better than me what policies we've had in the past, but this is the first claim we've ever had, so how well others would perform under claims is unknown to me. Although if you're claiming every year, esp on away-from-home or accidental damages, maybe a rethink is needed on what you are keeping in cars (which I'm sure you have now), or give her a slap for clumsiness ;D
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In fact, all insurance companies would go in Room 101 should I be invited on the show. ::) ::)
Pet insurance is a particular hate of mine. :(
If you have a young healthy mutt they'll welcome you with open arms (and probably a free pen or crappy satnav).
Try to insure your shagged-out fourteen year old mongrel with a heart condition and loose bowels, and the response will be somewhat different. :-X
How's the life insurance? ::) ::) ::) ::)