ASK TONY: I’ve a falling feeling Zurich won’t cover my kitchen flood
By
Tony Hazell
18:59 EST, 13 Aug 2013
|
05:14 EST, 14 Aug 2013
Last year, we beheld that when we stepped into my kitchen my feet sank into a vinyl flooring. My father detected H2O underneath a flooring and traced a means to a hose from a soaking machine, that had been leaking.
He remade this and we insincere all would be OK.
However, over a months some-more and some-more places seemed to be affected. A flooring consultant reliable it had rotted and we would need a new building and covering.
We called a insurer, Zurich, that asked when we had initial detected a problem.
When we answered, truthfully, that it was final Sep or Oct we was told we couldn’t explain given we hadn’t sensitive them immediately.
I have been insured with them for 20 years nonetheless creation a claim.
E. S., Milton Keynes.
Home cover: Insurer Zurich concluded to compensate a explain in full after Tony Hazell contacted them
I have good magnetism for your plight, carrying suffered a identical occurrence about 15 years ago. Hating DIY, we had, for months, abandoned a fact that one side of my soaking appurtenance was gradually falling into a kitchen floor.
I finally investigated when a cacophony from a lunatic spin dryer could no longer be drowned out by my hi-fi. It was afterwards we detected a leaking pipe.
In my case, a insurer paid adult for my decaying building true away. So we was astounded to review that we had difficulties.
However, Zurich creates a excusable indicate when it says we should have sensitive a association when we initial detected a problem. On your side, however, is that we had suspicion we had solved a problem.
Zurich has now reviewed your explain and says it appreciates we were in fact preoccupied to a repairs that was holding place right underneath your feet.
It will therefore be profitable your explain in full and apologises for any nuisance cause. It has also waived a £350 process excess; this is a initial partial of a explain that we would have had to compensate yourself.
Zurich says it prides itself on a ‘first-class patron service’. It admits it was reckless in a initial decision.
Currys pronounced it would cost £130 to repair my laptop and £75 to give it behind to me broken!
I bought a Samsung laptop from Currys final year. My son forsaken it and it subsequently grown a blunder and would not charge.
I took it behind to a store awaiting it to be bound underneath warranty.
At a time we was told really clearly that there would be zero to compensate unless they came behind to me and concluded a figure in advance.
After several weeks chasing by phone we called in during a store. we was told we would have to compensate some-more than £130 to have it fixed. Even worse, we would have to compensate £75 not to get it bound nonetheless usually to get it back!
P. K., Hertfordshire.
Currys reinvestigated your case. You have now supposed that a blunder was substantially caused when your son forsaken a laptop, even nonetheless it did not emerge for another integrate of months.
However, due to a cursory diagnosis we contend we received, Currys will compensate we £75 as a goodwill gesture.
You, in turn, will compensate to have a laptop fixed. So, once a goodwill gesticulate is paid, a altogether cost to we will be £55. Currys has betrothed to keep a tighten eye on this emanate to safeguard a quick and excusable resolution.
T-Mobile gave me a £169 check for general calls we didn’t make
In April, we took out a new mobile phone contract. My series altered from my prior network T-Mobile on Apr 13. we have given perceived a check from them for £169.84 for general calls done in May, that we did not make.
T-Mobile is melancholy to pass a check to debt collectors, that would put my credit rating in jeopardy. Clearly my information and confidence have been compromised.
I have asked T-Mobile for a ‘deadlock’ minute so we can take a brawl further. I’ve had another hazard to impute a emanate to debt collectors since, nonetheless no other communication.
J. L., Leicester.
Here we go again. Another communications organisation that finds it unfit to communicate.
T-Mobile’s diagnosis of we fell good brief of what is acceptable.
When we contacted them we perceived a succinct matter by a open family group saying: ‘We have apologised to your reader for a nuisance caused by this blunder and can endorse that a emanate has now been entirely resolved.’
As they didn’t wish to chat, let’s spell out your box one some-more time. You were released with a check for calls we had not made, we perceived follow-up letters melancholy we with debt collectors and your ask for a deadlock minute was ignored.
The upshot is that T-Mobile has created off a £169.84.
It has certified that a emanate was caused by fraud, as we pronounced all along.
Incidentally, we don’t need a deadlock minute to take a box to Ombudsman Services, a eccentric magistrate for communications.
If a association has not solved a problem after 8 weeks usually give them a call on 0330 440 1614.
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FROM personal experience, in a 60’s, they are a WORSE for profitable out, when we are claiming opposite one of there process holders.
rapier
,
london,
16/8/2013 00:41
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Zurich – despicable word company. They wouldn’t acknowledge 100% guilt when one of their insured idiots pulled out of a gateway in front of me some years ago and we clipped his behind wing underneath complicated braking. we wouldn’t go nearby them if they were a final word association in a world.
David
,
Glos.,
15/8/2013 21:25
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Zurich are scandalous for being bad payers when current claims are made. we used to work in a word attention and nonetheless doubt Zurich had a really bad reputation.
Bethany
,
Reading, United Kingdom,
15/8/2013 08:27
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“Always best to have buildings and essence from a same provider afterwards they would not pass a sire as to who pays for what. Carpets are lonesome underneath essence and nonetheless vinyl flooring is lonesome underneath buildings insurance.” by knicol46. Another advantage there is that if a buildings and essence are both shop-worn in a same eventuality there will usually be one additional and not dual (at slightest that is how many insurers do a excess)
sierra
,
a place not to be, United Kingdom,
15/8/2013 06:52
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I can’t trust there is a £350 additional with Zurich. we was with More Than and am certain it was usually £100 excess. They were positively shining a integrate of years ago, when in an impassioned cold patch a siren in my loft detonate and when that was bound and boiler switched behind on that afterwards burst. so i indispensable a whole new boiler. They paud adult for everything, including busted building in lavatory nonetheless quibble. i have usually altered to a cheaper quote elsewhere nonetheless am commencement to consider perhaqps we should have stayed with them, as positively did not have any problems during all when we indispensable to claim.
eyespyagain
,
Colchester, United Kingdom,
15/8/2013 00:46
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Indeed one wonders these days in a disaster either any of them will frankly compensate up, we consternation usually how many of us review and know they tiny imitation of that there is much
Sam
,
Berks, United Kingdom,
14/8/2013 23:24
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Always best to have buildings and essence from a same provider afterwards they would not pass a sire as to who pays for what. Carpets are lonesome underneath essence and nonetheless vinyl flooring is lonesome underneath buildings insurance.
knicol46
,
Edinburgh,
14/8/2013 21:46
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You can compensate any sum underneath criticism to T Mobile given we do not wish a bad credit file, afterwards we can sue T Mobile in a tiny claims court. Easy and effective.
Mark
,
Manchester, United Kingdom,
14/8/2013 21:19
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T-Mobile contingency be a misfortune association in a universe when it comes to patron service. You can usually go to a regulator CISAS not Ofcom, to solve your complaint.
Mark
,
Manchester, United Kingdom,
14/8/2013 18:29
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And a dignified of a story is: if companies don’t play round plate out some disastrous publicity! Typical, another bucket of thieves this lot.
Kilo Charlie
,
My World, United Kingdom,
14/8/2013 16:11
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