TBH this does not sound like the average run of the mill theft claim, so it will take longer. Police Authorities are notoriously slow at releasing information to Insurance Companies / Adjusters. Have they confirmed at this moment whether they will indemnify you for this claim (it means pay out) If not I would put pressure on them by complaining as posts below, but also to speed the claim up I would ask them if they have priced the claim up yet - i.e. have they asked you for a full list of items stolen, receipts or any other proof of purchase yet? It will be infuriating if they advise you will be covered, then start all over again with the replacement. If they haven't asked for the list / proof of ownership I would start collating this information now, and to forward copies to them.

Can you confirm i If your cover was continuous? ii. If when you transferred your cover you were advised there would be a cancellation charge? iii. If you have spoken / written to Quinn about Regal Credit's letter? If so, what was the reply? If the answer is yes/no/no, then my first stop would be ringing / writing to Quinn advising of the problem.

Unless you are a professional football club my guess is that you have accepted verbally to the "sub broker" who has given authorisation to the broker to proceed with the Insurance Company to proceed. One of these brokers has signed on your behalf. When you accepted terms with the broker to place your business, you will have signed a document agreeing for them to act on your behalf, in your best interests. Having said that, my expertise is in commercial claims, so I am not 100% on this - maybe a broker could confirm this?

Have you spoken to your Brokers?? Have there been any claims on the PL Insurance? Technically, you have agreed to a years contract. Usually, if there have been no claims on the Insurance then they would consider a partial refund - however, you would have to stand your corner hard.

Hi there, Personally I would not go down the route "The 2 seater is not damaged" as the only route - they could quite easily explain that away by the fact that the 2 seater is not used as much as the 3 seater. I would place the emphasis on the fact there was a food spillage on the 3 seater. There may be elements of wear and tear, but you are certain food was spilled on a one off incident, and the fact that Davies cannot be sure there was not a food spillage makes their argument full of holes. With insurance claims you have to prove the loss - the fact there is staining on your sofa proves this. The emphasis now shifts to the Insurer to prove the loss does not fall under cover - they have failed to do this on this occasion.

The best thing you can do is liase direct with the other persons insurance. Due to "Credit Hire" arrangements the other persons insurance company will be begging you to go direct with them. Ring them, advise you had an accident, you feel it was their Insureds fault and you have an independant witness, advise them your vehicle is undriveable and you need a replacement hire vehicle - ask them if they can provide you with one, and to deal with the repairs (TBH I can almost certainly state it will be damaged beyond economical repair due to the damage you have stated). If they advise they cannot provide you with a replacement vehicle same day, tell them you will go to a credit hire agency who will provide you with a vehicle at rip off rates - they might change their mind then....

Initially go through the FSA. The Insurance Company are bound by their decision, but you are not. However, the insurers have now basically said it is up to you to prove the loss - Get your own report on the sofa to back your argument up. Regards Craig

There are 2 ways of dealing with this. Firstly is through the FSA and the ombudsman. Secondly is through the court. However, as you are claiming stress - i.e. an injury (presuming you live in Eng / Wales) you would expect your claim to be over £1000. This means you have to issue through the fast / multi track, then you would preferrably need solicitors. however, I would initially, under the DPA, ask for the file Cunningham Lindsay have on you.

I would scan the envelpe from the certificate of insurance confirming they had the full address and email them. The fact that they have attempted to send her a letter cancelling but it was RTS means they have attempted to contact you, so have adhered to their terms and conditions. However, as you mentioned they did have your address - they also have the premium. She will also need to send proof of NCD. Good Luck

Unfortunately, I must disagree. If they sold you the policy & your policy documents include the endorsement, then it is pretty watertight - UNLESS - the burglars did not use that door to enter / exit. Then the endorsement would be non material, and they should pay the claim. It is up to you to check the cover you have, and the expectations needed.

Ask them for a "final decision letter" for the purposes of the FOS. It would appear they have issued a "tentative denial" to see if you will go away. Receipt of the final letter will let a. the insurers know you will pursue the claim, and b. enable yo to take the complaint to the ombudsman. If they will not issue this, ask them how long they anticipate their investigations to continue - anything more than 3 months since the notification is excessive.

As the policy wording is so ambigious then the policy would cover it. Usually it advises 30 days, 60 or 90 days. However, I feel that you may not have a policy.... You say they have a standard policy - one of the standard questions on a policy is "This is my main residence" Check that they have not ticked this box, or signed the contract. If they have advised this is my main residence and it is clearly not it is likely your Insurer wil "void" your policy - meaning you never had insurance with them in the first place. With regards to claiming from the loss adjusters - in the timescale quoted - no. You have a duty to mitigate any loss - they have advised that you need to sort out the repairs / drying in the interm.

They can cancel your policy, but they have to act in a timely measure. It is not fair that they are leaving you on hold, withthe chance of not having any insurance. If not done already regarding the call to claims regarding the underwriter referral I would contact them again & ask to speak to a manager. Dont worry regarding the VAT problem - They cannot formally accuse you of fraud - to do so would be slanderous. They can only call you fraudulent if they have proof beyond reasonable doubt.

The builder made the "error" - even though you have submitted the estimate you have submitted it in good faith. What the Insurer is probably doing at the moment is sending the estimate to forensics - which means they are checking to see if the handwriting for the VAT section of the bill is different to the main body of the estimate. I would not worry about this part - If they will hold anyone accountable it will be the builder. The fact that the builder has admitted his "mistake" will mean Direct Line will probably do nothing. They are correct in advising they are not closing the claim withdrawn while they carry out investigations. With regards to the non disclosure I am confused on their stance. They will have informed the underwriters who will calculate if the previous claims were disclosed to them at the time you took out your insurance whether they would take on your business, and at what premium. It might be because they will find it easier to charge you the additional premium if you were still a current policyholder - however, this should take a couple of weeks maximum. Your best bet is ringing Claims and asking them if the underwriters still want to write your business in view of the non disclosure. If they say they dont know ask if they have referred it yet - If they say not ask them to immediately - if they say yes, and it was over 14 days ago ask them to chase / ask how long it usually takes to refer, and back this up with a letter. You can cancel the policy early. however, you may have to pay a months premium to get out of the contract - see your policy booklet.

They usually measure the wind speed via Geoproof or another computer program. However, they have been told by the FSA they are not meant to decline the claim on the basis of these systems alone. What you need to do is to get one of the builders who did an estimate to put on the estimate the "Cause of Damage". If they say storm damage then it is up to your Insurer to prove otherwise or pay the claim.

OK. Firstly, have you advised Churchill of the £382 estimate? If so they might agree to this estimate - they will send you a cheque and get the car repaired. If not then you have to prove the car is worth more than what they are offering. What you need to do is trawl through Autotrader and other websites / magazines and find Mondeos of a similar engine, age & mileage as yours and send them to Churchill as proof of your higher valuation. Good Luck

Hi There, I cannot see them not paying out. you have to prove the item is yours - I would say that this has been proven by the items you have provided already. You also have to prove that the item has been damaged by a way that falls under the policy cover - as they have not mentioned this I would presume that this has also been met. You need to speak to NUI / Aviva advising of the delays, particularly concerntrating on the fact your last contact was 4 months ago, but only after you chasing them did they advise that they required further information. Also query with Aviva WHY they want this further information - you only have to provie you owned the item, and the submission of the damaged laptop and the original discs would satisfy a court of law. Aviva will apologise for the service you have had, then ring Ival & find out what is hapenning for you - Ival are less likely to fob Aviva off than you.

It really depends on your insurer, some do, some dont... who is the insurance through?

Dear Sirs, I refer to my accident on xx/xx/xxxx, which was forward to yourself under reference number 123456789 by ABC Insurance. You accepted a payment of £2000.00, significantly less than the anticipated market value of £3500.00 on my behalf without expressed instruction / delegated authority, therefore I hold you liable for the difference of £1500.00. Please provide details of your Solicitors Professional Indemnity Insurer. Alternatively, should you wish to deal with this matter yourself I look forward to receiving your proposals for settlement. I intend to deal with this claim under the CPR. (Voluntary CPR if the claim is in Scotland) I look forward to receiving your admission of liability within the stipulated protocol. Yours faithfully,

Answer honestly... You could have to stand in front of a judge at a county court. From the information provided it sounds like Helphire have really messed up. You will have no personal liability - If the Insurers are told by the court they do not have to pay then no one will have to pay. Helphire will stump the costs themselves.

Wow, more posts in one day for quite a while!!! Having dealt with a claim like this recently I will throw in my two penneth! You probably do have a valid claim. However, it will not be against the dog owner. It will be against the company that you delivered the leaflets for. Although you were a volunteer, you were acting under their control (carrying out instructions) as if you were an employee. The company has "a non-delegable duty" to ensure the safety of their employees. Unless they have explained to you the dangers of posting leaflets, and how to minimise the risks they will at risk should the matter litigate. I am suprised the solicitor has not gone down this route...

OK. The source of the leak will not be paid by the Contents Insurers - if anything it will be paid by your Buildings Insurers. You need to contact your Building Insurers, and ask if you have trace & access. If not it is highly unlikely your insurance will provide cover for repairing the leak. The Insurance will provide cover for accidental damage - if it is an underground pipe, unless you have been hammering nails into your floor it is unlikely it will be damaged accidently, more like wear & tear / corrosion, which are not insurable perils. You need to sort out the leak before relaying the floor. If you re--lay the floor and not repair the leak the Insurers will decline the next claim, and you could have some pretty hefty endorsements put on your policy next year. Usually the Insurers would ask for proof the leak has been fixed before paying for the new floor. Turning to the floor get an estimate from the company that laid the original floor. If this is not possible get the Insurers company to come out & do an estimate. This could cost a few quid, but it *should be recoverrable. Make sure the estimate mentions that it is an EXACT replacement The costs of replacing the units is consequential loss, so the Insurer is not liable for this, however, if your complaint went far enough they would pay a percentage of it.. Turning to the excess, I am afraid there is nothing you can do, if you want the exact replacement. You agreed to the £300 excess at the start of the policy, the Insurers will not budge on this. I starred the should. From the information you have provided all of this claim should be dealt with by your Buildings Insurer. If your excess is less with them try your Buildings Insurer.

OK, so it was not the Insurers that have messed up, but solicitors... You say they settled for £2000 when it was worth £3500. I presume they did not get your authority to settle over a certain amount, or give them "delegated authority" to settle??? The LCS should be able to help, but it might be a drawn out process. It would be quicker going through the solicitors Professional Indemnity Insurer. I would write to the solicitors senior partner by recorded delivery advising that you hold them liable for your losses, and request details of their PI Insurer. Then write direct to the Insurer.

They wouldn't really ask for the serial number straight away. They would ask for the make / model. If you didn't know the model they could find this out from the serial number

Ed, The court would look very disproving if you took the 3rd party to court after a 14 day timescale. Courts are there when all over avenue's have failed. I do not know of one Insurance company that would refuse to sell the car as salvage. The Insurance company I work for do not even give the option of a write off unless asked. The insurance will gladly sell the vehicle back - no storage charges to pay, etc.