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1/22/2011
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1/20/2011
Who's trying it on?
Who's trying it on?
The above was the heading on the monthly newsletter from the Financial Ombudsman Service, and it makes interesting reading.
In short it was taking about the endless ads on TV and the irritating unsolicited phone calls and texts offering help with PPI claims. A policy type we never sold by the way!
The Chief Executive and Chief Ombudsman (it's same person, Natalie Ceeney) gave some interesting figures that seem to dismiss all the hype about our society turning into a compensation culture.
Her view is that,
“I’m not seeing much that suggests consumers are more likely to make a speculative claim now than in the past”
All I can say is that if you feel aggravated please don’t fester on it, make your complaint, this is the only way we will speed up the process and make change happen. Most importantly if you are going to complain always write to the party you are complaining about first. The Ombudsman service will not do a thing except acknowledge your letter or e-mail until the party you are complaining to, is given the right of reply first.
On Insurance claims excluding the PPI ones in the last quarter the number of claims resolved in favour of the consumer for contents was 25%, commercial property insurance 35%, buildings insurance 49%, car and motorcycle 48%. There are a load of other areas from debt counselling (63%) to spread betting (68%) all of which most of us didn’t think the Ombudsman was involved in.
I am a big fan of the Ombudsman Service because it does take an objective view and helps the end consumer.
Why bother with Insurance?
Why bother with Insurance?
With premiums going up almost at the same rate as exclusions from cover are it's hard to feel that you are getting any value for money.
Insurance companies will offer you say, £200k worth of cover for £150 a month. Bearing in mind that’s not the valuation of the building but the cost to simply rebuild it. Remember an awful lot of properties cost nothing like that to rebuild, or even then if the rebuild was £100k isn’t it worth the peace of mind to have that protection?
Well first of all it’s a no brainer, but where the issue comes in is where the insurer doesn't take into account any emotional distress cause by the whole claim process. Should that matter to you the buyer of that policy? Absolutely and you need to understand the nature of insurance to appreciate that what you see is not what you get.
Look at those who were flooded out in the flash floods of a few years back, some are still living in caravans!!
What I am trying to put across is that you shouldn't rely on your insurance company to respond quickly, you must assume they will seek to blame anything from an Act of God to anyone else except themselves for your problems, possibly even you!! You need to put in whatever protection you can after all it’s your property and you paid a lot of money for it.
So for sure it’s right to buy buildings insurance, as it is with many other types or insurance that you may need; but please remember this: do so knowing you will incur an excess, always read the exemptions, and check with your friends what they have heard about the Insurance company, not just what the adverts show you on TV or in the press. Don’t just rely on comparison sites, they get paid each time you buy insurance by the provider or even quote for it.
Nothing beats the recommendation of someone you know, and please don’t forget that service and price can’t be ignored in what to look for.
At Trident Insurance we are not an Insurance company, WE ARE YOUR BROKER and we care to make sure you are looked after and get the best deal on price and cover. You can trust us to tell you how it is, and not pussy foot about!
Finally, please be sure you know what you are looking to cover, and don’t fall for add-ons that you don’t need. I’ve said it before, it’s your hard earned money and you deserve good value and service, we respect that and believe we give you the best there is.
Wishing you a very Merry Christmas and a Happy and Healthy 2013
Sincerely
Robert D Marshall FCSI – Chairman
Direct Line: 020 8911 1405