We took out Business Insurance with Endsleigh last year. At the time of taking out the policy, we made it very very clear to Endsleigh exactly what we required from out insurance. We told them exactly what all of our equipment was (inc makes and models), we told them exactly what we use our equipment for and what our business does, and we told them that we wanted the fullest level of cover. We are a printing buisness, and we even made sure that we got a specific 'print shop' policy with Endseigh.
9 months later, one of out machines broke down quite severly, due to a power surge that friend multiple components inside the machine. We got multiple engineers to sign off on the machine and say that it was beyond repair or that it would cost more than the value of the machine to repair it.
Endsleigh then turned around and said that our printing machines where not in anyway covered, and that the only thing covered on our large policy was our basic computer equipment (which was only about 10% the value of the items covered).
Endsleigh then tried to deny any knowledge of knowing that we where operating printing equipment (even though we had told them all the details on multiple occasions). I even remember during one conversation with Endsleigh going into great detail about exactly what kind of prints we made with our machines, and who are customers where.
Even though our policy has 'Print Shop' in the title and we are insured for X thausands of pounds worth of electrical equipment and machinery, this apparantly doesnt cover any manufacturing equipment such as printers!!.
Endsleigh knowingly sold us a policy that was completely useless, offering no cover what so ever for the equipment that we specifically asked them to cover. We have now lost well over £10,000 because of Ensleigh, ad if we had know how useless our policy was we would have just cancelled it and gone elsewhere.
We did read through all of our policy document properly, but it seems that even with the our massively detailed explnation of our equipment to Endsleigh staff, they filed our equipment under the wrong section, and simply filed our equipment as computers and not as printers.
Since then, Endlseigh have even admitted that they made a mistake, as they where an 'unadvised service' and that they no longer sell this specfic type of policy as apparantly they have found many other business policies that they have already sold, to be completely void.
We are currently trying to sew Endsleigh and if that doesnt work, we shall seek payback in other ways,