I'm winning - have now lost 6 stones (in weight!)am now back in girly clothes - size 12 and feel a ...
I'm winning - have now lost 6 stones (in weight!)am now back in girly clothes - size 12 and feel a lot better,back in clothes I like
Member since:20.10.2001
Reviews:71
Members who trust:15
Cat spewed in my video, toilet overflowed, washing machine flooded my utility room, children descended from great height onto leather chesterfield chair crashing it into bits then my larder fridge toppled over (onto me!) which could have been a total disaster for me cost-wise (as well the mental strain) but this contents policy really did prove to be worth its weight in gold and in my mind the best household contents cover I have ever taken out (and I admit to buying some less than good ones) -mainly in terms of the actual cover that it provides and the speed in which claims are dealt with and settled** especially because there is accidental cover included - many household policies are able to come back with the usual retort 'sorry you are not covered - it was accidental damage' 'goodbye'!!
At the end of the day with household insurance the main considerations for the cover are:
** What is being covered? ** How much will it cost?? ** Is the cover adequate?? (if there is no accidental damage clause then be careful - much 'damage/loss' is accidental in nature! (especially with children and pets in tow)
I live in the south east and my premium is £11.00 per month this covers:
1. £18,000. of house contents. Importantly this covers them from the usual elements: Fire, smoke, storm, flood, riot, malicious persons, subsidence, escape of water, theft, impacts from vehicles or falling trees (both inside the home and within the garden or outbuildings) ** Unlike most other policies this policy also covers every item for ACCIDENTAL DAMAGE - which does cover a mulitude of possible accidents to your belongings everyday.
In addition to the contents themselves legal expenses are also covered to a ceiling of £25,000.
The claim procedure is a straightforward and simple exersize which I have found particularly expedient, handled by helpful, polite and considerate personnel:
1.Initial contact is made by telephone to the claims department directly to advise of the loss/damage, a claims form is then posted out, I have usually received mine the next morning.
2.The form itself is easy to complete with the actual details of how the item(s) were damaged etc what the original cost was and the replacement value.
3. With damaged items an engineer is normally appointed by the insurers to inspect the item(s)and report back, if the item(s)is irrepairable a replacement is ordered and delivered directly - this happended with both my video and larder-fridge, replacement was quick.
4. A £50 excess exists on my policy which means the first £50 is paid by you, but this from my experience is standard in contents insurance policies.
** IF PROBLEMS IN CLAIM OCCUR: During one of the claims an elderly shopkeeper in a state of muddle became confused as to whom would be paying for the dishwasher they hasd supplied to me (on the authroity of endsleigh) because she had forgotten to fax details of delivery over to them they had not released payment - and sent me a solicitors letter! I contacted endsleigh at 11am and within 1 hour they had contacted the solicitors directly and mailed the payment to the lady in question. I was particularly happy with expedient way they dealt with this. OK there are a lot of insurance companies out there but may from my personal experience do not function that well in this type of situation. No-one wants inadequate insurance cover particularly when an item of value has been lost, stolen or broken, but this cover is from my experience good cover that gives peace of mind - particularly when you happen to be someone as accident prone as 'yours truly'!!!
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Quite interesting. My home contents insurance policy from the Royal Bank of Scotland is a bit more expensive (£12.86 / month) and covers items up to the value of £13,000 in total. Very good opinion. Cheers.
cheesemachine 13.06.2002 20:32
How didi the cat manage to aim that well?
Klara13 06.06.2002 17:44
Insurance! a mine field but we need it so best to find a good one. Enjoyed your op. Thank you
Advantages: low low cost insurance, very professional, close proximity to university, extensive policies Disadvantages: none i have experienced to date
judithritchie 26.12.2000 ·
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Review of Endsleigh
Advantages: low low cost insurance, very professional, close proximity to university, extensive policies Disadvantages: none i have experienced to date
judithritchie 26.12.2000 ·
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Review of Endsleigh
Advantages: Cheap, straightforward, offers good rates for students Disadvantages: Terrible customer service, incompetent, departments don't communicate with each other
soozypie 23.03.2009 (23.03.2009)
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Ciao members have rated this review on average: very helpful
Review of Endsleigh
May 28th, 2002
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