I have had insurance with DirectLine for about 11 months, in July I had a bike stolen from the secure outhouse provided at our flats, 2 weeks later my other bike was also stolen while isolating at home with Covid.
Both were named separately on the insurance policy, and i paid extra to ensure they were covered properly at home and away.
A hacksaw\grinder had been used to cut through the wall attachments, and the first bike was taken while I was out cycling on my mountain bike. The second incident, door had been forced as locks and some things had been changed after the first incident, and the bike rack had been cut through and removed to be able to get my bike out.
After providing everything they wanted, and questioning my landlord, gardeners who had access and building committee members, they grouped it into one claim, and it has now been passed to the Davies Group. Who have went through the whole process again.
Davies group have now informed me that they are offering a cash settlement, to the maximum amount of the claim for £2500, though the total value is closer to £5000.
Directline informed me that the maximum claim amount as the thefts occurred from an outhouse was £5000, and i do have 2 separate claim numbers and police investigations that took place for each incident.
Davies group look to be very poorly reviewed from what I can see, is there any steps i can take now to ensure that the correct amount is paid out, and to not let them force me into accepting incorrect compensation.
As all my commuting for work, and general getting around is by cycling, this has caused a major hassle and so much extra costs in train\bus\taxi fares since they were taken.
Cycling also helps me keep my weight controlled due to underlying health conditions.
I have never claimed insurance before, though always had policies, so not really sure how i can challenge things.
Thanks.
