Thread by @atatimelikethis

@deandunham

Dean, avid listener to your show on Fridays, but never thought I'd need to write in. Then a blooming insurance claim (sorry not work from home).

As you always say, they're trying to wriggle out!

But the problem is the scam.
We need hot water, and they know it

We claim for a boiler replacement - rejected.
But they're using a bogus renewals argument to reapply an initial no claims period.
That's a first policy first term clause.
Otherwise we're not in contravention, there's no misrepresentation.
We should win

I mentioned a scam...

So while we're dealing with faux claim denial, the dog has become the best smelling member of the household.
Quite seriously - no one wants to live without hot water.
Showers aside it's still blooming cold.

So, dig into savings, buy the boiler now. Collect claim

SCAM time

This policy pays out with vouchers or supplier credits.
If we win our battle ... they pay out in Monopoly money they can't redeem for another 10-15 years, except of course vouchers expire.

It looks to me like they can turn down every claim and just wait on hygiene to run out.

So I've got (I believe) a false claim denial
A forced pre-claim purchase of a boiler
And a post claim inability to refund my purchase.

And I know this is insurance and it's by definition slimy, but that looks like a trail a slug wouldn't want to be associated with

Is there anything Consumer Rights Act can do for us - I know it's a service, but you reminded me that's included and this is definitely SUBSTANDARD.

Or the 2016 amendment to the Enterprise Bill to cover deliberate late payment?
Can we say they were "unreasonable", demand cash?

That's the lot Dean, felt like the sort of fun one you like to get into, so if I can add any more details, let me know.

Thanks as always, PM with with any private questions.