Advantages Read below and let me know if any
Disadvantages Same ole story, you pay, they don't
Last year when came the time to renew my content insurance I took full advantage of an offer sent to me by my bank. On taking my Content Insurance with them, I would be given £20 cash back.. After some shopping around I took them on, got a quote and sign on the dotted line.One think one must know about Banks and Supermarket providing insurance of any sort is that they really don’t, so let me explain the process.
In my case Lloyds TSB acted as a Broker. It means that although they will bring in the punter, they cannot – I cannot stress this anymore – in any way provide you with the insurance directly under their name as they are not registered to do so.
Everything went honky dory, I pay my monthly direct debit, they keep quiet. That went on for 6 month until I tried to make a claim.First of all I must give them some kudos. Their claim process is somewhat easy, simple phone call, state your problem and the claim is registered. No need to fill endless forms, repeating the same info., take zillions of pictures of your damage and lost property.. although the pics of lost property always put a smile on my face.
2 month ago now, my Other Half put the washing machine on and forgot to ensure that its water pipe was securely attached to the sewage pipe. The problem is that since Littl’Un and the acquisition of a dishwasher, both appliances are sharing the same sewage pipe which means that you must ensure you have secured the water pipe of the applicance you are using to it.
Pain in the ass yes, but hey, changing the current plumbing was quoted at around £80, all things balanced, it is your memory against £80…
To my utter surprise the person I spoke to on the other line told me that my laminate flooring could not possibly be covered under my content insurance as it belonged to the building. Why I hear you heckle at the back, well why indeed… why indeed..
Groupama point is that since my laminate flooring has beading around it to cover the gap you must leave between the flooring and the skirting, and the said beading was attached to the skirting by tiny nails – about 2 cm long - approximately 50cm apart, then it now belonged to the building.
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