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OK, I had my camera stolen, I thought it was insured as it says on the sheet, "All cameras covered."
I've just found out that they're refusing to pay out because in the small print it says, "Excluding all cameras that can be connected to a computer."
Now I'm not a genius on this matter, that's why I'm posting it here, but I'm pretty sure they can't put something as vague as that up there...
OK, if there were 20 different types of camera, they could say that all cameras are covered bar one type, but the fact is, there's only two types, one that uses films, and one that uses memory cards and are ultimatly connected to the computer. The fact that more digital cameras are being sold now than normal ones may add to my case.
I feel like I've been cheated here, you can't say that you insure all of something and then say in the small print that you actually only insure half of it, probably less now. Are they allowed to do this or could I catch them under false advertising?
It's exactly the same as them saying, "We insure everybody." And then in the small print writing, "Except women." They don't insure 'all,' they come nowhere near!
I don't want to go to court, I just want them to give me me money so I can get my camera, (well pay for the replacement which I've already ordered without knowing about this!)
I'm writing them a letter tomorrow with a claim form for the camera, I need to know if anybody knows what I might be able to do in a situation like this. I've got several points that I'm going to put through and I'm not going to let this drop easily. I need to find a weakness...
I've just found out that they're refusing to pay out because in the small print it says, "Excluding all cameras that can be connected to a computer."
Now I'm not a genius on this matter, that's why I'm posting it here, but I'm pretty sure they can't put something as vague as that up there...
OK, if there were 20 different types of camera, they could say that all cameras are covered bar one type, but the fact is, there's only two types, one that uses films, and one that uses memory cards and are ultimatly connected to the computer. The fact that more digital cameras are being sold now than normal ones may add to my case.
I feel like I've been cheated here, you can't say that you insure all of something and then say in the small print that you actually only insure half of it, probably less now. Are they allowed to do this or could I catch them under false advertising?
It's exactly the same as them saying, "We insure everybody." And then in the small print writing, "Except women." They don't insure 'all,' they come nowhere near!
I don't want to go to court, I just want them to give me me money so I can get my camera, (well pay for the replacement which I've already ordered without knowing about this!)
I'm writing them a letter tomorrow with a claim form for the camera, I need to know if anybody knows what I might be able to do in a situation like this. I've got several points that I'm going to put through and I'm not going to let this drop easily. I need to find a weakness...
If you speak to someone, and ask if they believe their policy is compatible with the Unfair Terms in Consumer Contract Regulations 1998 (I think that's the year), you could well shock them into paying up.
If they don't, then I'll take a look at the regulations and see if maybe they do. Along with my insurance law notes from last year.
But I'd rather not if you can have them pay without me bothering :^)
If they don't, then I'll take a look at the regulations and see if maybe they do. Along with my insurance law notes from last year.
But I'd rather not if you can have them pay without me bothering :^)
Where abouts was your camera stolen from as it may be covered by another insurance house/car etc
I once had a fight with an insurance company. I don't just know that sort of crap.
You could have a look at www.gisc.co.uk and see if your insurer is a member of the general insurance standards council. If they are then they have to abide by a code, part of which deals with clear advertising. I think the last resort is the financial ombudsman, but if you sound like you know what you're talking about then they'll probably cough up sooner.
Go to your local Citizen's Advice Bureau and talk to them - they'll be able to advise you if you can do anything about it.
I concur.
Go to a court and sue the hell out of them, now!
OK, I had my camera stolen, I thought it was insured as it says on the sheet, "All cameras covered."
I've just found out that they're refusing to pay out because in the small print it says, "Excluding all cameras that can be connected to a computer."
Now I'm not a genius on this matter, that's why I'm posting it here, but I'm pretty sure they can't put something as vague as that up there...
OK, if there were 20 different types of camera, they could say that all cameras are covered bar one type, but the fact is, there's only two types, one that uses films, and one that uses memory cards and are ultimatly connected to the computer. The fact that more digital cameras are being sold now than normal ones may add to my case.
I feel like I've been cheated here, you can't say that you insure all of something and then say in the small print that you actually only insure half of it, probably less now. Are they allowed to do this or could I catch them under false advertising?
It's exactly the same as them saying, "We insure everybody." And then in the small print writing, "Except women." They don't insure 'all,' they come nowhere near!
I don't want to go to court, I just want them to give me me money so I can get my camera, (well pay for the replacement which I've already ordered without knowing about this!)
I'm writing them a letter tomorrow with a claim form for the camera, I need to know if anybody knows what I might be able to do in a situation like this. I've got several points that I'm going to put through and I'm not going to let this drop easily. I need to find a weakness...
I've just found out that they're refusing to pay out because in the small print it says, "Excluding all cameras that can be connected to a computer."
Now I'm not a genius on this matter, that's why I'm posting it here, but I'm pretty sure they can't put something as vague as that up there...
OK, if there were 20 different types of camera, they could say that all cameras are covered bar one type, but the fact is, there's only two types, one that uses films, and one that uses memory cards and are ultimatly connected to the computer. The fact that more digital cameras are being sold now than normal ones may add to my case.
I feel like I've been cheated here, you can't say that you insure all of something and then say in the small print that you actually only insure half of it, probably less now. Are they allowed to do this or could I catch them under false advertising?
It's exactly the same as them saying, "We insure everybody." And then in the small print writing, "Except women." They don't insure 'all,' they come nowhere near!
I don't want to go to court, I just want them to give me me money so I can get my camera, (well pay for the replacement which I've already ordered without knowing about this!)
I'm writing them a letter tomorrow with a claim form for the camera, I need to know if anybody knows what I might be able to do in a situation like this. I've got several points that I'm going to put through and I'm not going to let this drop easily. I need to find a weakness...