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Insurer will not cover loss

By Cornish Guardian  |  Posted: September 07, 2012

STUNNED: Joe Dixon with letters from his insurers who refused to pay up.

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A MAN who lost £6,000 worth of furniture and other property when high winds and driving rain damaged his kitchen roof has been left stunned after he was told his house and contents insurance did not cover his losses.

Joe Dixon is now warning others to make sure they read the small print of their own insurance policies after his insurers the AA refused to pay up.

Mr Dixon, who lives at St Breock Downs near Wadebridge, has been in dispute with his insurance company since April when the damage was caused.

He said: "There were some horrific storms in April and it caused a lot of damage to my kitchen roof. The water came in and just about everything in the kitchen was ruined, so I naturally put in a claim as I pay £220 per year for house and contents insurance.

"But I have now been told the policy doesn't cover the lost property, as I only have standard cover. They say I should have also taken out accident damage cover, which seems to me to be ridiculous.''

Mr Dixon said the AA would only pay out £500 towards the cost of repairing his ceiling of the kitchen, but nothing for the loss of his furniture and other property.

"I've told my neighbours to check their house and contents policies to see if they are in the same situation as me, and just about all of them have discovered they are not covered either with this so-called accidental damage policy.

"I suggest other people take a good look at their insurance policies so they won't end up in my situation," said Mr Dixon.

A spokesman for the AA said it had paid out on the roof repairs as Mr Dixon had taken out an optional accidental insurance policy on the building, but not its contents.

"Although the standard AA contents policy does include some cover for accidental damage to non-portable items, for example fixed glass in cabinet furniture, it would not cover accidental damage to items such as furniture and other household goods.''

He said a surveyor had determined that Mr Dixon's kitchen roof had deteriorated over the years and the rainfall highlighted an existing problem rather than causing it, and it is something the policy would not have covered.

"We believe the claim has been handled correctly, and AA insurance is no different from the market standard in offering accidental damage as an extension of the main policy,'' he said.

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  • josdave  |  September 09 2012, 1:04PM

    My insurance is with the AA so I'd better have another look at the details. While it is true they are a business it would get them some kudos if only they were as quick to pay out on approved claims as they are to take the money from you for the premium. They spend a lot of time and money (our money) arguing with other insurance companies over claims whenit would not only be quicker but cheaper too to settle quickly. That is not good business.

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  • Mice470  |  September 07 2012, 12:22PM

    What you must remember is that the job of an insurance company like any other business is to make money. Most companies will do all they can to avoid paying out on a claim.

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