Insurance cover and claims
Posted: Wed Mar 29, 2017 10:13 amI am posting some information relating to my insurance claim and how it has been finalised.
In November 2016 we were the subject of a robbery at home and a leather handbag and contents were stolen.
The police (Local and Gardia) attended and I had to make a denuncia to go with my insurance claim.
At every turn it seems that the insurer (Liberty Seguras) tried to wriggle out of paying the claim. This ranged from some spurius clause from the depths of the Tand C’s limiting the payment of lost cash to the need for a receipt for everything lost to prove ownership.
I understand that they would try to mitigate their loss but having found packaging (back in the UK) and produced UK and Spanish bank statements showing where and when items were purchased they still tried to omit the items.
After being offered a ‘’full and final’’ settlement they then added insult to injury with this advice from the broker
‘’In addition Liberty will be writing to you to advise that as a result of this claim they have cancelled your policy at renewal and as of 4th June you will no longer be on cover.’’
No thanks for the years of custom, just p*** off now you need help.
So folks beware – pay your premiums but on no account make a claim. If we had no insurance and banked the premiums I could have replaced the lost items and still have been in profit. If you do take out a policy keep every receipt going or try to find those from items purchased a long time ago or bought in the UK.
Whilst the broker has initially tried to be helpful in the end they have just cow towed to their paymaster insurance company and washed their hands of everything.
I will not be using either the broker or insurance company again.
Sorry for what might seem a rant but others may have experienced similar issues.
In November 2016 we were the subject of a robbery at home and a leather handbag and contents were stolen.
The police (Local and Gardia) attended and I had to make a denuncia to go with my insurance claim.
At every turn it seems that the insurer (Liberty Seguras) tried to wriggle out of paying the claim. This ranged from some spurius clause from the depths of the Tand C’s limiting the payment of lost cash to the need for a receipt for everything lost to prove ownership.
I understand that they would try to mitigate their loss but having found packaging (back in the UK) and produced UK and Spanish bank statements showing where and when items were purchased they still tried to omit the items.
After being offered a ‘’full and final’’ settlement they then added insult to injury with this advice from the broker
‘’In addition Liberty will be writing to you to advise that as a result of this claim they have cancelled your policy at renewal and as of 4th June you will no longer be on cover.’’
No thanks for the years of custom, just p*** off now you need help.
So folks beware – pay your premiums but on no account make a claim. If we had no insurance and banked the premiums I could have replaced the lost items and still have been in profit. If you do take out a policy keep every receipt going or try to find those from items purchased a long time ago or bought in the UK.
Whilst the broker has initially tried to be helpful in the end they have just cow towed to their paymaster insurance company and washed their hands of everything.
I will not be using either the broker or insurance company again.
Sorry for what might seem a rant but others may have experienced similar issues.
