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As with ANY 'insurance' company MAKE SURE you are covered and the SMALL PRINT is fully read. (Even throw some scenarios at them, and insist on "IN WRITING")
The insurance industry, eg/ Home Contents, Property, Car etc etc, these companies are only interested in making MONEY so be very careful what you agree to. In my experience with a poperty insurance policy I had was disputed by an 'element' that I still do not understand. Companies couldn't care less if you have for example, a health issue. Money is their obsession and they will try and get out of paying up in the rare event of a claim.
Another example was with my home contents insurance. My freezer food was apparently covered however there was an 'excess'. This means that YOU pay a stipulated amount FIRST from your own pocket before the 'Insurance' kicks in. In my case the excess was 30 pounds. I have no more than 20 pounds worth at any one time so the insurance company won't pay!!! But they are quite able to take the money from you and ill advise you no problem.
I could go on but I'm sure you all get the idea the point I'm making.
Remember: Look after YOURSELF
The insurance industry, eg/ Home Contents, Property, Car etc etc, these companies are only interested in making MONEY so be very careful what you agree to. In my experience with a poperty insurance policy I had was disputed by an 'element' that I still do not understand. Companies couldn't care less if you have for example, a health issue. Money is their obsession and they will try and get out of paying up in the rare event of a claim.
Another example was with my home contents insurance. My freezer food was apparently covered however there was an 'excess'. This means that YOU pay a stipulated amount FIRST from your own pocket before the 'Insurance' kicks in. In my case the excess was 30 pounds. I have no more than 20 pounds worth at any one time so the insurance company won't pay!!! But they are quite able to take the money from you and ill advise you no problem.
I could go on but I'm sure you all get the idea the point I'm making.
Remember: Look after YOURSELF
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NEWSFLASH. Insurance Companies in "We 're not charities." shocker.
Never heard of this 'excess' you speak of, thanks for sharing.
wow massive insight to the insurance world, that excess thing looks new
Ill advise you? So it doesn't say on your insurance schedule that there is a £30 excess on freezer food?
My advice would be to either buy a bigger freezer or end this unhealthy addiction to Birdseye Potato Waffles with Iceland Party Platters and put something half decent in your freezer. The improvement in your diet will also lead to less anxiety about life little 'inconsistencies'.
HTH
My advice would be to either buy a bigger freezer or end this unhealthy addiction to Birdseye Potato Waffles with Iceland Party Platters and put something half decent in your freezer. The improvement in your diet will also lead to less anxiety about life little 'inconsistencies'.
HTH
ive got 6 potato croquettes and some aunt bessies yorkshire pud'ns in my freezer so im not too worried. then again i havent got any insurance anyway.
Ive run out of Aunt Bessies Yorkshire Puddings.will this invalidate my claim?
Ok Desmond
Just wait till something happens to you....Mr easy life
Just wait till something happens to you....Mr easy life
baracouda30 02 Feb 13:17
Thinly veiled 'I've got a freezer' thread.
:D
Thinly veiled 'I've got a freezer' thread.
:D
LOL!!! I am Mr Easy Life?
You're bleating about £20 of ruined comestibles due to some freezer malfunction, it hardly smacks of an existence blighted by the worst that capricious fate dare throw at it.
Please be sure that 'something' has happened to me in the past and that 'something' will certainly happen to me again in the future. You can also be sure that I will have attempted to have taken all reasonable precautions that when said 'something' occurs I am not too financially disavantaged. However, have I not protected myself with regard to that specific contingency and find myself the poorer for it, I will blame only myself and will not, therefore, allow a festering resentment at those nasty corporate bullies to result in me starting a whining, b1tch-4ss, pity me thread on the subject.
Toodles.......
You're bleating about £20 of ruined comestibles due to some freezer malfunction, it hardly smacks of an existence blighted by the worst that capricious fate dare throw at it.
Please be sure that 'something' has happened to me in the past and that 'something' will certainly happen to me again in the future. You can also be sure that I will have attempted to have taken all reasonable precautions that when said 'something' occurs I am not too financially disavantaged. However, have I not protected myself with regard to that specific contingency and find myself the poorer for it, I will blame only myself and will not, therefore, allow a festering resentment at those nasty corporate bullies to result in me starting a whining, b1tch-4ss, pity me thread on the subject.
Toodles.......
I don't have ANY insurance. I bought a £9 kettle from Argos recently and was asked if I wanted to take out an insurance policy on it.
Cahoochie --
I have a "friend" who in your position would put his claim in for £50 of spoilt food in his freezer ...less the £30 exceaa ...means £20 paid out ...or is that being tooo simplistic ... :D
I have a "friend" who in your position would put his claim in for £50 of spoilt food in his freezer ...less the £30 exceaa ...means £20 paid out ...or is that being tooo simplistic ... :D
Thanks JJ for your reply and help, however the 'freezer thing' has not happened to me.It would have done but I noticed it in the small print so I cancelled that element!!!!! My whole intention was to make people more aware of what's happening in this day and age now, with the recession etc.
I am fully aware that to the poster who started taking the 'mick' about knowing about 'excess' he may be surprised that there are a minority of people that are actually unaware of the consequences, so I was merely attempting to make EVERYONE more aware (Althoug,h I was expecting one or two arrogant relies on that one...But I don't care, I always have the view of helping others no matter what some people may come back with)
As for Des boy, your response was a tad on the 'arrogant' side (Look it up in the dictionary) so if you have problems like me (property insurance, which I won't go into) then I hope you remember your attitude and lack of any kind of sympathy when and if something major happens to you.
I am fully aware that to the poster who started taking the 'mick' about knowing about 'excess' he may be surprised that there are a minority of people that are actually unaware of the consequences, so I was merely attempting to make EVERYONE more aware (Althoug,h I was expecting one or two arrogant relies on that one...But I don't care, I always have the view of helping others no matter what some people may come back with)
As for Des boy, your response was a tad on the 'arrogant' side (Look it up in the dictionary) so if you have problems like me (property insurance, which I won't go into) then I hope you remember your attitude and lack of any kind of sympathy when and if something major happens to you.
I'm fairly sure that I don't have problems like you, Cahoochie. Thank you for your concern, I'll muddle through.
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