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ducky | I have just come back from holiday tofind my two freezers off.My insurer wants reciepts,who keeps them.Advice? |
I HAVE SENT A LIST WITH ALL THE PRICES.I HAVE NEVER HAD A CLAIM BEFORE. |
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MoniqueLise
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Your insurer is being unreasonable. I do like the idea that one of the other answers suggested which was to go and buy enough to fill the freezers and submit those receipts! However, the dates on the receipts will be current and that will be noticed.
Can a friend or neighbour vouch for what you normally had in your freezers? Perhaps that will help you with your claim. |
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russkaos
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A list with roughly what was in the freezer should be fine. My mothers freezer broke a few months back and loads of items were ruined. Thankfully they covered us for the food that was lost.
Best of luck in resolving this issue :) |
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Suzanne: YPA
 |
I agree, this is unreasonable. But you may have options.
Did you take pictures of the contents of the freezers? Is the list you mention an actual inventory of the items, or did you make it after you threw everything away? If it's an actual list, this and your pictures are strong evidence in your favor. Take the list to your local supermarket and write down the price of each item on the list -- it may be your insurer declined the list because you estimated. Then resubmit it to your insurer. If they still decline the claim, file a written complaint with your state's insurance commissioner's office. |
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Lizard
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Can I ask how much you have claimed for? As the normal freezer limit is around £500. Do you think it could be all the steak, half a cow, a few lobsters and the rest of all the meat product that is a problem!? Only so much can fit in per cubic feet - insurance can & will if unhappy at amount claim ask for further info - ask for a Loss Adjuster who will happily see how much can fit in your freezers. Why two frezers off? Power surge! Why not contact your power provider - they can say if this happened. In short if the amount you claim is reasonable then its fine but if you are claiming for £500 of frezer food & have only 2 small freezers then I am afraid your insurance company have twiged that its not possiable. |
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Casino Rob
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Whilst your insurer is entitled to require reasonable documentary evidence of ownership, receipts for frozen food are not a reasonable request.
You don't say how your freezers went 'off'. Was there a power surge? Are there repair receipts you can provide as evidence of the incident?
In any event, stand your ground with this claim and simply state that you do not still have receipts for the food - as you correctly point out, you would not retain this kind of item. |
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BARROWMAN
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People who might have a reason to claim on the insurance should keep receipts. But not many people do. If you shop at TESCO and have a loyalty card it is possible that they can produce a list of the things that you bought there over the current period. They use this information to target consumers and market research their buying habits. |
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Professor
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By law you don't have to have the receipts although I keep all of mine for five years. You will get the claim |
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Scottg
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your insurance should accept the list if not seek more advice |
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adam d®
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Perhaps you could go shopping, enough to fill your freezer and send that? |
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