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 Topic: Anyone speak Insuranceeeese
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14/11/2013 at 11:43pm
Location: Sevenoaks Kent
Outfit: Adria Adorra
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Joined: 25/3/2008 Silver Member 
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I am having some problems with my caravan insurance company, and I would just like to know if I am being unreasonable, or not.
Basically, we were involved in a non-fault accident, that has resulted in our caravan being written off.
Now I am not up on this insurance lark, and am feeling I am being taken for a ride. Since the caravan was insured, we called them after the accident, and explained that as we would not be making a claim via the car insurance, should we claim directly from the lady's insurance, or should we make the claim for the caravan through the caravan insurance. We were told to go via the caravan insurance, and use the uninsured losses for some other bits and pieces not covered.
Now we are finding that basically, our insurance company are halving the price of everything, so, the van would cost us between £3500 and £5000 to replace, like for like, but we gave a value of £3800 when we took the policy out. They originally offered £1900, which to be fair, they have since moved up to £2300, the damaged contents were about £550, they have offered £275, and the one that has really made my blood boil, the force of the collision, popped the fridge open, and emptied the contents over the floor, which by the time the accident was cleared up some 4 to 5 hours later was spoiled, along with several cans of drink that punctured, and sprayed everywhere, meaning it had to be thrown away. The value of the ruined food and drink was about £60, and they have offered us £30.
I am less than happy with this offer, especially as they should be claiming the full amount of any pay-out back from the third party, and after a call to the FOS, I was told, that within reason, we should not be out of pocket from being the victim of the accident.
I have reached a stalemate with the insurance, they have made their offer, and that is it, so I am faced with the hassle of, as I see it, doing one of 3 things.
• Accept the offer...
• Go down the complaints procedure, which they then have 8 weeks to respond to. I then have to respond to that, and they then have another 8 weeks to respond... you see where this is going. After we get to a stalemate, I can then take it to the FOS. I have visions of retiring from caravan before it would be sorted.
• Lastly, would to somehow just send a bill directly to the third parties insurance, and maybe even ask the uninsured losses people to put it in with the rest of the claim.
I have specifically asked about the food, and this is the insurance companies response..
Our liability to you, under a market value policy, is the actual value of the items. Not what you had paid for them and not what they would cost to replace. This is often difficult to establish but it is usual to imagine what might be the second hand price. Even unused, food items could not be resold for their purchase price hence the offer made based on their likely depreciation.
So, am I way off track, or do you think that this is out of order, and if you were me, based on the fact I can't go back in time, and start over, what would you do now?
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15/11/2013 at 2:19pm
Location: Keswick
Outfit: Bailey
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Joined: 11/12/2009 Diamond Member 
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Hi You have not described in full the actual nature of your policy so it is difficult to be precise in offering advice. From the way you have described the situation you appear to be insured for current value as opposed to new for old. As the van had an insured sum of £3800 that does not suggest that you were insured new for old. Further, I guess that the van has some age to be valued at that figure and if, say, more than 10 years old, it is unlikely that you would be on new for old. You say that you valued the van at £3800 rather than the insurerss putting that figure on the van, in which case that was your value and not theirs. The insurers agreed because that is what you wanted to insure it for. Perhaps over valued I don't know and if your policy is for the value of the van you get the value of the van and which may not be what you valued it at. So, rather than focus on recovering £3500 you need to look at the value of similar vans and give them examples nearer to your £3500 You appear to be quite focussed on the food and that is nothing to argue about IMO. You have not mentioned any claim against the person who caused the accident and you may have an action aginst him/her for any uninsured losses. Think about a claim against them for losses. Phil
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