Hi. Ex motor claims loss adjuster for a motor UK insurer here. Re-read your policy. In most fire and or mechanical failure situations the insurer is not liable for the part that failed (as mechanical breakdown is not covered on motor insurance...that would be a separate purchasable warranty) HOWEVER....most UK motor insurance policies DO cover consiquencial loss. So....in your scenario, let's say for instance there was a short in high tension wiring to ground and that caused ignition of the fire; you would not be covered for the breakdown of the wire (arguably a few £) BUT you would be covered for the consequential loss of the fire damage that resulted. Have a good look at the T&C's and unless it rules out a claim for the consequential loss you have a valid claim. Please act on the above, then raise a formal complaint with your insurer detailing all financial loss, distress and inconvenience, and out of pocket expenses incurred. They will then have 6 weeks to bring about a resolution. If you remain disatisfied with the outcome you have the right to refer to the financial ombudsman service, who will issue a ruling that is binding on the insurer. All that process is free to you as a consumer and doesn't compromise your legal rights should it still not be resolved in your favour.
Hello again there is nothing T&C but a line in the Insurer Policy Booklet, at the top of the General exclusion: Unless we are required to do so by a relevant road traffic law, we will not pay for any accident, injury, loss, damage, liability, or consequential loss: but no mention of fire damage in the rest of the Insurer Policy Booklet a part from 3rd party fire and theft which say we're covered with fully comp, is this line enought to refuse a cliam, thanks John
If you have a comp policy (a step up from Third Party Fire and Theft) fire howsoever caused will be covered. The cause of the fire (mechanical or electrical) will be covered. Your liability should be limited to your insurance excess and the value of the electrical or mechanical part that is deemed to have caused the fire. Complain formally, verciferously and in writing as detailed above in the original post.
We have just watched this and we are so sorry to hear your troubles. We had our MH stolen 6 weeks ago that was in a garage for repair and having a nightmare with a Insurance company. Bertie bus told us about your situation and said we should watch your vlog. Thank you for pointing out to us clause 7, we will check all future policies. Sorry again for your misfortune 😢
@@janmitchell9866 our hearts go out for the stress the the insurance company put you through is totally wrong we get a fully comp policy to cover you for all that may actually happen but they take the premiums but do there best to find loopholes not to pay out we really hope things work out well for as well take and God willing we'll both be back on the road again soon
@@budgesbusontourhappytravel200 it was the garages insurance we are having trouble with and the garage owner has been avoiding us. The garage had no alarms, no CCTV. We now are going through our own insurance company and they say they will pay out. It's the paperwork we're waiting for now. Just hope we don't have very inflated premiums next as it was not our fault it got stolen. We shall see. Best of luck and wishes to you, I hope you get some kind of compensation. Thank you for posting your vlog I'm sure it will help lots of Motorhomers.
This is so sad 😢 really sorry to hear what you all went through. You pay your insurance and hope that when something happens you will be treated with respect smd dignity. We had a caravan stolen and we had to fight the insurance company. They completley lied to us so we had enough and Steve told them we are now going to the Financial Ombudsman. Well an hour later they agreed to pay out.... its the most stressful thing ive ever gone through. So we totally understand whst you are going through. Feel so sad for you both. Stay on youtube dont leave. Take care love to you both ❤
thanksAl guy it means more then you could know how the surport from every one been, Alan below gave us some really helpful advice we would of never got if it wasn't for youtube and the facebook groups fingers crossed it may all work out if not we hope others have stopped and looked at both their motor insurance and breakdown cover and don't full into what happened to us once again guys thank you
What an absolute horror story. That is shameful behaviour from your insurance company. There is no way that clause can stop them paying out in your situation.
I agree after 47yrs of driving only 1 claim which was the over drivers fault I wouldn't think their attitude could of been any worse, thank you for your support it means a lot to us both
the way these companies behave is utterly disgraceful, take your money year after year and when you need them they do everything they can to get out of helping and paying out.
@@Antonia.Bradley the insurance company is Lexham, the breakdown cover was through Eversure breakdown cover, but it's national breakdown who covers their breakdowns
why would you get insurance to begin with i have felt this for years as i know there all criminal in operation and policy . insurance agencies are not unlike government and bureaucrats all the above are our enemy to put it nicely,interactions are always safe and effective,(for them).
I agree 100% their got us over a barrel the law says we have to have it so the insurance companies keep banging the price up and then hide loophole in their policy wording to get out of paying when you think you have a claim
Hi. Ex motor claims loss adjuster for a motor UK insurer here.
Re-read your policy. In most fire and or mechanical failure situations the insurer is not liable for the part that failed (as mechanical breakdown is not covered on motor insurance...that would be a separate purchasable warranty) HOWEVER....most UK motor insurance policies DO cover consiquencial loss.
So....in your scenario, let's say for instance there was a short in high tension wiring to ground and that caused ignition of the fire; you would not be covered for the breakdown of the wire (arguably a few £) BUT you would be covered for the consequential loss of the fire damage that resulted.
Have a good look at the T&C's and unless it rules out a claim for the consequential loss you have a valid claim.
Please act on the above, then raise a formal complaint with your insurer detailing all financial loss, distress and inconvenience, and out of pocket expenses incurred. They will then have 6 weeks to bring about a resolution. If you remain disatisfied with the outcome you have the right to refer to the financial ombudsman service, who will issue a ruling that is binding on the insurer. All that process is free to you as a consumer and doesn't compromise your legal rights should it still not be resolved in your favour.
Hi thanks so much for taking the time to contact me this the best adivice I've got will go though it with a fine tooth comb thanks again
Hello again there is nothing T&C but a line in the Insurer Policy Booklet, at the top of the General exclusion:
Unless we are required to do so by a relevant road traffic law, we will not pay for any accident, injury, loss,
damage, liability, or consequential loss:
but no mention of fire damage in the rest of the Insurer Policy Booklet a part from 3rd party fire and theft which say we're covered with fully comp, is this line enought to refuse a cliam, thanks John
If you have a comp policy (a step up from Third Party Fire and Theft) fire howsoever caused will be covered. The cause of the fire (mechanical or electrical) will be covered. Your liability should be limited to your insurance excess and the value of the electrical or mechanical part that is deemed to have caused the fire.
Complain formally, verciferously and in writing as detailed above in the original post.
Sorry....there's a typo in that....mechanical or electrical) will NOT be covered. Your liability should be limited to your...
@@aloria19 thanks so much I'll sleep a bit better to night your a real star
We have just watched this and we are so sorry to hear your troubles. We had our MH stolen 6 weeks ago that was in a garage for repair and having a nightmare with a Insurance company. Bertie bus told us about your situation and said we should watch your vlog. Thank you for pointing out to us clause 7, we will check all future policies. Sorry again for your misfortune 😢
@@janmitchell9866 our hearts go out for the stress the the insurance company put you through is totally wrong we get a fully comp policy to cover you for all that may actually happen but they take the premiums but do there best to find loopholes not to pay out we really hope things work out well for as well take and God willing we'll both be back on the road again soon
@@budgesbusontourhappytravel200 it was the garages insurance we are having trouble with and the garage owner has been avoiding us. The garage had no alarms, no CCTV. We now are going through our own insurance company and they say they will pay out. It's the paperwork we're waiting for now. Just hope we don't have very inflated premiums next as it was not our fault it got stolen. We shall see. Best of luck and wishes to you, I hope you get some kind of compensation. Thank you for posting your vlog I'm sure it will help lots of Motorhomers.
This is so sad 😢 really sorry to hear what you all went through. You pay your insurance and hope that when something happens you will be treated with respect smd dignity.
We had a caravan stolen and we had to fight the insurance company. They completley lied to us so we had enough and Steve told them we are now going to the Financial Ombudsman. Well an hour later they agreed to pay out.... its the most stressful thing ive ever gone through. So we totally understand whst you are going through. Feel so sad for you both. Stay on youtube dont leave. Take care love to you both ❤
thanksAl guy it means more then you could know how the surport from every one been, Alan below gave us some really helpful advice we would of never got if it wasn't for youtube and the facebook groups fingers crossed it may all work out if not we hope others have stopped and looked at both their motor insurance and breakdown cover and don't full into what happened to us once again guys thank you
the best way around this is when your getting a quote. is have a list of questions of the items you want to be insured for.
@@jimsmith-d3l thanks I will be from now on
Insurance companies need giving a good reaming over the way they treat people. I hope you get sorted give carol a hug from us.
@@DesmondsDonders will find out once it's back home
What an absolute horror story. That is shameful behaviour from your insurance company. There is no way that clause can stop them paying out in your situation.
I agree after 47yrs of driving only 1 claim which was the over drivers fault I wouldn't think their attitude could of been any worse, thank you for your support it means a lot to us both
Gutted for you hope insurance will sort it out hope we see you back on the road soon
@@nigelwilliams5733 thank you just hope it helps someone else
the way these companies behave is utterly disgraceful, take your money year after year and when you need them they do everything they can to get out of helping and paying out.
@@bobplumridge9297 thank you just hope it helps someone else
Awful! What is the name of this insurance company?
@@Antonia.Bradley the insurance company is Lexham, the breakdown cover was through Eversure breakdown cover, but it's national breakdown who covers their breakdowns
why would you get insurance to begin with i have felt this for years as i know there all criminal in operation and policy . insurance agencies are not unlike government and bureaucrats all the above are our enemy to put it nicely,interactions are always safe and effective,(for them).
I agree 100% their got us over a barrel the law says we have to have it so the insurance companies keep banging the price up and then hide loophole in their policy wording to get out of paying when you think you have a claim