Imported post
This also has nothing to do with this thread, but whilst on the subject of insurance.
l had a burglary about five years ago and most of my wifes jewlery was stolen, the larger items were valued and we valued the smaller items as acurately as we could, l stressed to wifee not to exagerate the claim, because being the first time we had made a claim after having home insurance for over 20yrs, l foolishly though insurance assesers or should l say arse-sesers, would treat us fairly, how inocent l was.
The value of the loss was approx 8k (wifee & l were left a lot of jewlery by my parents and both our grand parents, and my aunt, who l found out after her death was the mistress of a v.weathy guy in Kent, no not Mark Chase) we were offered 6k
the reasoning being that the insurance co. could get replicas made in bulk and therefore get a discount.
l know its getting boring but stay with it.
l argued that to find similar antique jewlery would take years of searching and couil;d not possible be bought in one go and get a discount, they would not budge and we agreed a final figure.
Lesson 1 - Insurance companies are trying to settle for as little as possible and will offer you less than your claim.
Lesson 2- Because of above and ONLY because of above- inflate your claim by 30-50%
Lesson 3 - If like me you trusted your insurance company and, in your opinion that have diddled you, get your own back.
l am a building contractor and l never used to get involved with insurabnce claims, now l do, l and my clients have more than made up for the 2k reduction the Insurance co gave me.
If anyone is reading this that works in the insurance business, take note, l made a genuine claim after 20yrs without claims and was treated v badly and l now have a personal vendeter against ins.cos.
Finished now, after having a few dram of Scotch l tend to ramble on, you can all have a *** now, except Bren whos given up.
Anyhow on a lighter note l'm going paintballing tomorrow, hope the enemy consists of insurance co workers.
Howard
ICH - Insurance Company hater