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Why is it when my TV got fried by a lightning bolt the Insurance tried to refuse cover?9 comments to Why is it when my TV got fried by a lightning bolt the Insurance tried to refuse cover?You must be logged in to post a comment. |
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Bet it was the one with the telephone on wheels. You missed the ****** off we don’t pay claims clause. What do you want for cheap?
They always find a loop hole not to pay you.
Insurance companies are just there to rob your money – like the government – and always look for a clause not to pay up. Last August a pipe split and my bathroom flooded. They have sent out 3 different surveyors and each time they loose the notes and deny the fact they have come out. Now they want to replace the tiles on one wall with one that will not match the others! It’s just incompetance and money grabbing. They could say that anything was an act of God – just a get out clause!!!
Insurance doesn’t pay for anything, they just send bills!
Yes bolts of lightning etc are acts of god, but all you have to say is that you dont believe in god!
Its actually an act of nature this should be covered by your insurance. Have a read through your insurance policy handbook that should tell you what is isnt an act of god!
If you have any solicitors as friends, consult them to see if you have a case for the small claims court!
Well, all insurances don’t cover natural disasters.. because if they did then they’d be responsible to pay for the belongings of flood victims.. tsunami victims.. earthquake victims.. the result would be them losing a LOT of money..
Ethnically speaking, it may not be right to. But in businesses they only think about profit.. which is sad.
They do bleed. Go move lying about the cause though!
All of this would be in your policy booklet when you took out the insurance.
There’s absolutely no reason why they shouldn’t be allowed to have such clauses in their policies – as long as they’ve sent you the documentation, and as long as it’s all there in black and white then you really don’t have a case.
Therefore, whenever you take out insurance, you really need to spend some time to read through everything, it’s all usually quite clear, and if you find too many exclusions that you don’t like then you do something about it, rather than doing what most people do and kick off when they go to make a claim and get told that their booklet says it’s not insured.
With that in mind, you were quite lucky that they paid you for that – being that you’d already told them it was lightning in the first place and they’d refused you, by going back and then saying oh yeah, my TV broke… nothing to do with lightning, if the people you dealt with had looked closely at their screens they would have seen you were making a fraudulent claim and cancelled your policy on the spot. And that would mean all future policies with other companies would probably be a lot pricier.
Still, you’ve gotten away with it, but I’d be careful not to advertise that too much.
I’m gonna tell them it was really lightning and then you’ll have to pay back the money and they’ll cancel your policy.
What’s your policy number?
What you did is insurance fraud. I wouldn’t be bragging about it here.
Did you not know there was an acts of God clause when you bought the insurance? Sure you did, and you agreed to it. YOU’RE the one who’s wrong here. You lied to get your claim paid, even though you knew all along what the policy was.
People like you are the reason insurance rates are as high as they are. Honest people like me, who pay their bills and don’t cheat insurance companies, don’t appreciate people like you.