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- This topic has 5 replies, 4 voices, and was last updated 12 years, 6 months ago by Financial Companion.
November 17, 2010 at 3:53 pm #10108Taylor5Member
i have just had to send a quote to the insurance for some damage in the house… nothing major, very minor and only a few hundred euro!
They made an offer to cover costs of half the estimate, i told them where to go, NO WAY! Why go to the trouble of gettin an quote done up etc…
Was i right to refuse the offer or was i foolish to do so…. didnt ring dh to ask his advice, just said NO!!! Dont want to tell dh now as afraid they will tell me to get knotted iykwim
Has anyone ever done this before? If yes what was the outcome?November 17, 2010 at 5:40 pm #104666chewieodieParticipant
I suppose it all depends on the terms of your policy. Not sure how it works this side, but from my experience in SA, typically if you had a claim, the insurer would advise you of a couple of approved suppliers to fix your problem. They would have "pre-agreed" a list of charges to have things done. If however you decided to go with an estimate that you got from outside of their preferred supplier gang, then they would only pay you the amount which they deemed acceptable. As I said, I’m not sure how it would work here, but I can’t imagine it would be very different?
Perhaps ask them if they have someone that they could recommend to quote and that they would cover the cost of? But ensure that there isn’t an excess on the policy, as obviously you would have to pay that yourself.November 17, 2010 at 5:53 pm #104668super minderMember
i refused and waited 28 weeks for the money and was less 250 for the claims and they split it in too claims. so i lost first 500. and now next year they can double my quote . feckers know what there doingNovember 18, 2010 at 4:41 pm #104716Financial CompanionParticipant
The general insurance companies (that deal with house and car insurance, not life) will usually try to do this simply to reduce the amount they pay out. If they try it with 1000 people and half of them accept, they’ve saved a fortune. Once you can show the damage and you know what your policy excess is Taylor, they should sort it quick enough. It’s sometime a case of "those who shout loudest" get looked after, so I would be ternacious enough in hounding the claims dept. 😉November 18, 2010 at 9:20 pm #104726Taylor5Member
God an email from them saying they will reajust the email me with the new offer 😯 So it looks like they just want you to take the first offer, if you say yes that it but if you say no they give you more, no questions askedNovember 19, 2010 at 3:16 pm #104782Financial CompanionParticipant
Think about it, if they offer everyone half of what is due and many accept it, look how much they have saved? A girl that worked with me a couple of years ago had a car insurance claims dept. on the phone offering her €6,500 following an accident that their client had caused. I was scribbling notes with "things" to say over the phone, 5 minutes later they upped their offer to €10,000! Worth being persistent in those kind of things! 😉
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