People That Piss You Off

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Insurance valuers, they offer me a value for my TV that won't get me one of equal resolution (mine was 1080p the one they offered was only 720p) but only in currys vouchers, if I want cash so I can get the one I want online the value drops!

The TV they recomment is £399 in Currys, the cheapest 1080p in currys is £499 but I can get it online for £399. If I get the value as cash they will give me £349. Is this normal practise?
 
Insurance valuers, they offer me a value for my TV that won't get me one of equal resolution (mine was 1080p the one they offered was only 720p) but only in currys vouchers, if I want cash so I can get the one I want online the value drops!

The TV they recomment is £399 in Currys, the cheapest 1080p in currys is £499 but I can get it online for £399. If I get the value as cash they will give me £349. Is this normal practise?

What type of policy do you have ??
 
Insurance valuers, they offer me a value for my TV that won't get me one of equal resolution (mine was 1080p the one they offered was only 720p) but only in currys vouchers, if I want cash so I can get the one I want online the value drops!

The TV they recomment is £399 in Currys, the cheapest 1080p in currys is £499 but I can get it online for £399. If I get the value as cash they will give me £349. Is this normal practise?

I had the same problem with a laptop I had stolen. They wanted to offer me just over £300 in PC World vouchers for a laptop that would cost £800 to replace and cannot be bought in PC World. I had to contact the manufacturers and get them to prepare a like for like quote.

The insurance company then claimed that they had been on the company's website and my laptop would cost £349 to replace and that is all they would pay. When I took it further with them, (they couldn't get prices from the website without without a logon and password), I finally managed (several weeks later) to get a proper settlement out of them.

Keep on at them. You'll get there in the end.
 
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Insurance valuers, they offer me a value for my TV that won't get me one of equal resolution (mine was 1080p the one they offered was only 720p) but only in currys vouchers, if I want cash so I can get the one I want online the value drops!

The TV they recomment is £399 in Currys, the cheapest 1080p in currys is £499 but I can get it online for £399. If I get the value as cash they will give me £349. Is this normal practise?

It is normal practice for an insurance to try to limit the amount it pays out on a claim. That doesn't mean that you should let them get away with it.

You need to answer Nottingham's question first though. Does your policy specify new-for-old?
 
Insurance valuers, they offer me a value for my TV that won't get me one of equal resolution (mine was 1080p the one they offered was only 720p) but only in currys vouchers, if I want cash so I can get the one I want online the value drops!

The TV they recomment is £399 in Currys, the cheapest 1080p in currys is £499 but I can get it online for £399. If I get the value as cash they will give me £349. Is this normal practise?

Yep.Treat it as an opening offer.
 
It's to offset the cost of all of the extra stuff that you're claiming for.

I have been completely honest with what was taken, wish I hadn't now.

I had the same problem with a laptop I had stolen. They wanted to offer me just over £300 in PC World vouchers for a laptop that would cost £800 to replace and cannot be bought in PC World. I had to contact the manufacturers and get them to prepare a like for like quote.

The insurance company then claimed that they had been on the company's website and my laptop would cost £349 to replace and that is all they would pay. When I took it further with them, (they couldn't get prices from the website without without a logon and password), I finally managed (several weeks later) to get a proper settlement out of them.

Keep on at them. You'll get there in the end.

It is normal practice for an insurance to try to limit the amount it pays out on a claim. That doesn't mean that you should let them get away with it.

You need to answer Nottingham's question first though. Does your policy specify new-for-old?

Yep.Treat it as an opening offer.

I think I may have been mistaken with my old TV, in that whilst it supports 1080p input it then says in teeny tiny print it only outputs at 1080i.

This means they are right with the £399 and i am happy to admit that, but what pisses me off is that it drops by 10% if I don't have vouchers, which I can only assume is because they get some sort of comission if I use currys.
 
Also meant to add, it is like for like insurance


Stick to your guns Matt...... insist on the same make and model, if they skip around it, insist on talking to someone higher. Say you are not interested in vouchers but want the proper replacement. Let them do the hunting around, but insist on like for like if it is in your policy.
 
Jade Goody. Fair enough shes dying of cancer but what makes her any different from any number of other poor sods who have the disease? Nothing.. I was looking at a magazine today that said 'in memory of' and she's not even dead yet :102:

Sorry, but to me shes just a nobody who married a convict and went on Big Brother - how the hell that makes her a celebrity I don't know.
 
:056:

What they done to you, Jeffrey?

I ordered a laptop from them which they had priced wrongly. When a £50 off offer ended, instead of putting the price up by £50, they reduced it by an another £50. They spotted it fairly quickly and put it right, but not until after I had ordered it.

I thought maybe they wouldn't let me have it at that price, which I would have accepted, but it's the way they did it that pissed me off.

They cancelled my order (without asking me about it, even though they had my phone number and email address) because they claim my payment card was refused. I know for a fact the card was OK and I gave them the right details.

They say they can't reinstate the order, and if I reorder it I'll get the current price.

Obviously they didn't want to sell it to me at the wrong price so they made up a reason to cancel the order, trying to make it look like it wasn't their fault.
 
Jade Goody. Fair enough shes dying of cancer but what makes her any different from any number of other poor sods who have the disease? Nothing.. I was looking at a magazine today that said 'in memory of' and she's not even dead yet :102:

Sorry, but to me shes just a nobody who married a convict and went on Big Brother - how the hell that makes her a celebrity I don't know.

They were obviously so sure she would be dead by now that they prepared no other copy. If she had died between them going to press and publication day, it would have all been old news by the time next week's issue hit the shelves, so they've decided to spin it in the way they have.
 
I ordered a laptop from them which they had priced wrongly. When a £50 off offer ended, instead of putting the price up by £50, they reduced it by an another £50. They spotted it fairly quickly and put it right, but not until after I had ordered it.

I thought maybe they wouldn't let me have it at that price, which I would have accepted, but it's the way they did it that pissed me off.

They cancelled my order (without asking me about it, even though they had my phone number and email address) because they claim my payment card was refused. I know for a fact the card was OK and I gave them the right details.

They say they can't reinstate the order, and if I reorder it I'll get the current price.

Obviously they didn't want to sell it to me at the wrong price so they made up a reason to cancel the order, trying to make it look like it wasn't their fault.

Silly way to do it. Their T&Cs make it clear that they don't have to accept your 'offer to purchase'. There was no need for them to have told lies.
 
"What shall we do today, Mrs ****?"
"I don't know, Mr ****. What do you fancy?"
"Well it's a lovely warm day, the sun is shining, I fancy getting the car out"
"What a lovely idea, Mr ****. Can we have the sunroof open?"
"Indeed, Mrs ****. But first let me open the garage and remove the roof rack and the caravan"
"Blimey, Mr ****, is it that long since we had the car out?"
"Indeed it is, Mrs ****. Not since that fine weekend away with The Wankers"
"That was a lovely weekend, Mr ****. Driving around the roads at our own leisure, I felt so at home with The Wankers".

Later that day......


"Oi, ****!!!! shift your ****ing car out of my ****ing way"

"Do you know him, Mr ****? He seems to know you"
"No I don't, Mrs ****". Don't look at him, Dear, he'll go away"
"He does seem in a rush, Mr ****. We're doing 35 mph, we are nearly half way to the speed limit and he still wants to come past us"
"He seems to be upsetting a lot of people. There is a line of traffic behind him for about a mile, they all appear to be gesturing too"
"Do you think we should let him past, Mr ****?"
"No way, Mrs ****, we are allowed to drive on this road at our own leisure. "The sign says Melton Mowbray is only 19 miles away, I'm sure he'll take a different direction to us once he gets there"
"OK"

"Don't look, Mrs ****, but he's coming past us, hold on tight in case he crashes. At 45mph on a 60mph road, who knows what could happen to him...and us"
"He seems to be magicking the beans in our direction, Mr ****. do you think he wants a coffee?"
"That reminds me, Mrs ****. Did you bring the flask?"
 
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