How is it fair.....

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BuBbleMooJim

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Recently someone I know had their yard broken into and everything stolen, upsetting, inconvenient, and irritating but she has insurance, now, when you have a car accident, if it's not your fault the other party pays the excess, so, why then do you have to pay excess when you are burgled? Surely it's not your fault, or is it your fault for having a house, with stuff in it, if this is so then it's your fault for having a horse, and tack, £100 excess is the price of replacing quite a lot of stuff, my friend lost everything, except the horses, tack, rugs, headcollars, grooming kits, riding hats, kids body protectors, and a generator. Obviously there are times when paying excess is ok, my dopey, and very large cat knocked my LCD tv over on Monday, the excess is £50, thats fine, my last insurance company did not cover accidental damage caused by the animals or the kids, they are 60% of the residents in my house so therefore 60 times more likely to break stuff than me, so i changed to someone else, glad I did or I would be shelling out for the tv! Thoughts people?
 
Just add another item worth £100 to your claim if it bothers you that much. It is one of life's annoyances, but you have a choice of insurance or no insurance.
 
fatpiggy said:
Just add another item worth £100 to your claim if it bothers you that much. It is one of life's annoyances, but you have a choice of insurance or no insurance.
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That is fraud!!!! I lost over £3.5k of tack and only got a payout of just over £2k because I couldn't afford to go and buy things new and give them receipts for the purchases to reimburse. I valued everything as requested, at the *value NOW* price. I was the ONLY person on the yard to do so and I was the only one who had a loss adjuster come out.

So I lost out.

Another lady at my yard had a breaking saddle and a synthetic bridle stolen and I have recently found out that she claimed £1,500 - I am absolutely spitting about it.

Everyone that defrauds insurers drive up premiums for the honest people like me.

It is all well and good telling people to play the system but it is fraud, nothing more and nothing less.
 
The reason you can recover your excess after a car accident, for example, is that often there will be another driver who is judged to have been responsible. If the incident was entirely your fault then you probably wouldnt recover the excess.

Likewise, if the offender in the case of a burglary is identified, there is nothing to stop you, or your insurers, proceeding against them in a civil court for the losses. The difference is you can't insure for the occupation of being a thief and they probably do not have the means to pay - so you wouldnt get anything anyway.
 
Insurance companys are the biggest fraudsters ever! They make your life hell if you dare claim for something and I am speaking from personal experiance :mad:
 
the watcher said:
The reason you can recover your excess after a car accident, for example, is that often there will be another driver who is judged to have been responsible. If the incident was entirely your fault then you probably wouldnt recover the excess.

Likewise, if the offender in the case of a burglary is identified, there is nothing to stop you, or your insurers, proceeding against them in a civil court for the losses. The difference is you can't insure for the occupation of being a thief and they probably do not have the means to pay - so you wouldnt get anything anyway.
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I know the reason you can recover your excess in a car accident, and I know that claiming something worth the extra £100 is fraud, my point is, my insurance company don't make you pay excess if the house is burgled, my friend pointed out the cost of all the headcollars and leadropes plus three full grooming kits (she has three horses) with their boxes, came to around £100, never mind the tack, rugs etc that went, surely breaking into a yard, which I might add was very secure, should be treated in the same way, why should you pay excess for being robbed??
 
BuBbleMooJim said:
.... why should you pay excess for being robbed??
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The only way to avoid it is to insure under a no excess policy. They exist, but are far more expensive in the first place.

In short, if anyone takes out an insurance policy with excess payable, they have only themselves to blame when it has to be paid.
 
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