insurance claim?

Question

i have tesco's home insurance and have had to make a claim on my sofa, but i have lost the receipt and the company i got it from has gone into administration and is no longer operating as a business, plus the bank account i had at the time has been closed so i cannot provide a statement as proof of purchase. can the insurance company abandon my claim or do they have to proceed and either fix my sofa or give me money for a new one? also, there are screws sticking out of it which are a hazard to my son, i cant take them out because that would cause further damage to the sofa resulting in my claim being thrown in the bin. any ideas?

with regards to the screws, the can not be taken out due to them being screwed from inside the back of the sofa, the part which has come away from the main part of sofa, in order to remove them i would have to tear the material.

Answer 1

usually when you get contents coverage you insure for the replacement cost value of the items in your house, if your furniture has been damaged by a covered cause of loss within your policy, the insurance company will pay you the replacement cost value, minus your deductible and depreciation of a like item, unless your policy is scheduled, meaning you listed contents that value usually over $1,000, and that sofa was a scheduled item, if not then it would fall under the blanket coverage meaning items covered up to the total amount of coverage you insured for. Even though you do not have proof of how much it cost, it would not matter. They can dismiss the claim if it not a covered cause of loss. Hope this helped.

Answer 2

You do not say why you need to make a claim, but if the sofa was damaged by some sudden act then the insurance company will come up with an offer that you can either accept or reject. As for the screws, the idea they are a hazard is bogus. You do not take the screws out, you tighten them back up. The screws are not a hazard by any stretch of the imagination. If the screws will not tighten up because the holes are stripped, there is an easy way to fix this, but being girly, you would not know this. The girly response is to take the screws out. I bet there is some reason similar to this that is behind your thinking you need to file an insurance claim.

Answer 3

The insurance company will estimate the value of the item and offer to repair or replace it. You do not say exactly what has happened to it! It is a big mistake to make small claims to insurers they keep your details for years, and will take all measures possible to avoid paying out. Even if you phone up and ask about a possible claim it goes on your record as a claim! We had a bus crash into our house and even with such an obvious claim the assessor measured our rooms to see if there was some way they could avoid making payment. Never mess with insurance companies and don't fall for all the spiel that makes claiming look so trouble free. In my view most insurance companies are guilty of deception in their small print and you notice how difficult it is to see an insurance agreement before signing up!!

Answer 4

It sounds more like a manufacturing fault to me so you should take it up with the supplier. Even if it is more than 1 year old you have some claim on them if it is dangerous and NOT FIT FOR THE PURPOSE for which it was bought. Also should you need to have the date of purchase from your bank account, write to that bank and they will send you a copy of the relevant page of your statements. Finally if it is an insurance claim then most are on a new for old basis and the purchase price is not relevant.

Answer 5

Depends on what kind of coverage you bought. If you bought a higher priced replacement policy they have to get you a new one. If not all they have to do is give you the value of the couch as used. Call the agent who sold you the policy

Kay

Answer 6

You will not be the first one in this situation. tesco's are no fools but they can be very helpful in a case like this. Just talk to them

Answer 7

you need to ring tescos and ask them every policy is different