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Swales lives

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I know it'a over still I cling, I don't know where
Got a letter from Lloyds TSB today, a reminder that my building/contents insurance is due for renewal next month and it will increase by £5.00 per month because I made a claim in May.

As I haven't made any claim, I phoned them. It turns out that I made a "hypothethical claim".
A feckin what?????

I lost my new glasses a few weeks after I bought them, they cost me £200 and I was a pissed off 'cos I now had to buy a new pair. So I thought "I'll ring the Insurance firm and ask if I'm covered for loss of personal good". They said "No", so that was that. I just bought a new pair.

No insurance claim made, no letters, no forms...nothing.

So they think it's okay to charge me £60 a year extra... cos I'm now somehow a "a risk".
I was told it's a "hypothetical claim". And it is now on a database shared by all insurance companies.

Obviously I have now cancelled my insurance.

Has anyone else heard of such a thing? Getting financially penalised for asking a simple question?
 
there's some crap in their T&C's about about "have you suffered any loss whether you've claimed or not" - I had all this crap with my house buildings insurance when the lead flashing split and water pissed in to my bedroom - I couldn't claim as it "was wear and tear" they said, "but it was fitted wrong in the first place my consultant says" I said "ah but you still can't claim" they said "because it was the builders fault and you have to go back to them" (but its three years down the line and they've retired) !!! Grrrrr!!!!

And THEN next years renewal came with a whopping increase and this incident was mentioned so I fecked the Pru right off and halved my premiums by going with my bank.

But as we know, what really is pushing premiums up is grabber twats making false/frivolous claims for something they don't deserve because a feckin Claims Advisor is telling them to go for it many weeks later!!!
 
£5 isn't a lot by any means but that's not the point, fuck nob heads.

i'm with lloyds and they have just upgraded my account, they tried to get me on board with insurance.... i'll be telling them to fuck off now.
 
ban-mcfc said:
£5 isn't a lot by any means but that's not the point, fuck nob heads.

i'm with lloyds and they have just upgraded my account, they tried to get me on board with insurance.... i'll be telling them to fuck off now.
Click to expand...

But it isn't simply the £60 a year extra. That extra fiver carries on and on. If "hypothetically" I remained with Lloyds TSB for another 10 years without making a claim. Then my simple question of "Am I covered?" will have cost me £600

If I phoned them and said "Am I covered if a passenger jet crashes into my house", would my house insurance treble as it's hypothetical?
 
Swales lives said:
Got a letter from Lloyds TSB today, a reminder that my building/contents insurance is due for renewal next month and it will increase by £5.00 per month because I made a claim in May.

As I haven't made any claim, I phoned them. It turns out that I made a "hypothethical claim".
A feckin what?????

I lost my new glasses a few weeks after I bought them, they cost me £200 and I was a pissed off 'cos I now had to buy a new pair. So I thought "I'll ring the Insurance firm and ask if I'm covered for loss of personal good". They said "No", so that was that. I just bought a new pair.

No insurance claim made, no letters, no forms...nothing.

So they think it's okay to charge me £60 a year extra... cos I'm now somehow a "a risk".
I was told it's a "hypothetical claim". And it is now on a database shared by all insurance companies.

Obviously I have now cancelled my insurance.

Has anyone else heard of such a thing? Getting financially penalised for asking a simple question?
Click to expand...
Get with privilege ,i've claimed for a damaged laptop ,done and dusted within a few weeks and thats with them doing tests,they even gave me enough money(argos voucher) to get the next one up .Insurance didnt go up either and its only costing us about £200 a year,with accidental and everything.
 
Thenumber1blue said:
Swales lives said:
Got a letter from Lloyds TSB today, a reminder that my building/contents insurance is due for renewal next month and it will increase by £5.00 per month because I made a claim in May.

As I haven't made any claim, I phoned them. It turns out that I made a "hypothethical claim".
A feckin what?????

I lost my new glasses a few weeks after I bought them, they cost me £200 and I was a pissed off 'cos I now had to buy a new pair. So I thought "I'll ring the Insurance firm and ask if I'm covered for loss of personal good". They said "No", so that was that. I just bought a new pair.

No insurance claim made, no letters, no forms...nothing.

So they think it's okay to charge me £60 a year extra... cos I'm now somehow a "a risk".
I was told it's a "hypothetical claim". And it is now on a database shared by all insurance companies.

Obviously I have now cancelled my insurance.

Has anyone else heard of such a thing? Getting financially penalised for asking a simple question?
Click to expand...
Get with privilege ,i've claimed for a damaged laptop ,done and dusted within a few weeks and thats with them doing tests,they even gave me enough money(argos voucher) to get the next one up .Insurance didnt go up either and its only costing us about £200 a year,with accidental and everything.
Click to expand...

how much was the laptop and how long you been paying £200 a year?
 
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