Insurance... A word of warning

[garth mc garth]

After my 2nd break in this year and my 2nd disappointing result from the insurance company I wanted to share some advice.

 

I recently lost 7k of tools in a break in, a mixture of saws and most annoying were my tool boxes of fencing gear. I didn't actually realise I had been broken into as they had done such a neat job of closing everything up and it was only when I went to put the fuel cans for the tractor in the truck I realised.

Now I rang the police told them everything I knew but was still quite shocked over what had happened.

I then rang the insurance company who after a short while told me that my tools aren't covered outside of working hours 9pm - 6 am.... After having an argument with the claims department who basically said tough luck.

Then over 40 days later after my many attempts to contact them failed and the written statement form they said they had sent had not arrived I eventually got a very unsympathetic letter where my calls to them and the police were scrutinised and elements were high lighted. Handy to question me over 40 days later after a group of people have been picking holes in what I told the police.

 

So long and the short of it is make sure you be as accurate as possible with what you tell the police and claims department, I heard a loud bang at 8pm and went outside but saw nothing so didn't mention it to the police. Axa used this against me.

 

Make sure you're covered for everything you want, even worth asking what you aren't covered for.

 

In the 2 robberies I lost a combined 9500 worth of tools which I now have to replace out of my own pocket, so the thieving scum of 2015 have essentially had 19k off me this year.

[hamdogg]

Good to name and shame!! They try and wriggle out of everything these insurance companies!!

[Stubby]

So . Are you insuring with another company this time or maybe its not worth insuring with any one it in the end ...?

[Tom D]

I have found that NFU insurance is more expensive but they do pay out without fuss, plus you have a local office where you can go and speak to someone face to face...

[Robert_S]

I found the NFU were horrible to deal with when you are trying to get cover, they point blank told me they don't insure various items even though i know they do, found them very unhelpful and dismissive of new business.

[Ian Leach]

I had the same sort of experience about a month back with my tools , gave up in the end.

[garth mc garth]

I will arrange another policy with a different company. It's quite unnerving to think these clowns are covering my public liability employers liability then the forest machines themselves.

[mendiplogs]

I have found that NFU insurance is more expensive but they do pay out without fuss, plus you have a local office where you can go and speak to someone face to face...

 

Hi tom right NFU do pay out they are more money I'm sorry to hear this mate about your kit thanks Jon

[monkeybusiness]

I will arrange another policy with a different company. It's quite unnerving to think these clowns are covering my public liability employers liability then the forest machines themselves.

 

Who is your broker, or do you deal with Axa direct?

[eggsarascal]

Hi tom right NFU do pay out they are more money I'm sorry to hear this mate about your kit thanks Jon

 

When did you last have to claim from NFU, and what was it for?