Insurance and Financial Solutions Since 1932


Claims assistance: It’s all part of the service.

Tuesday, June 25, 2013
Making a claim can be a stressful experience and that’s why at Brunsdon we do not expect our clients to have to go it alone. As an insurance intermediary acting with our clients’ best interests uppermost, claims assistance is very much part of our on-going service delivery.

As a client, a claim may be the first test that you actually have the right product in place to protect your assets. Sometimes, even we are taken aback when a claim is refused! The following example perfectly illustrates how our involvement in assisting the claim produced a positive outcome.

A client was cleaning the lenses of her expensive, designer glasses when they just broke. Imagine our surprise when a claim for the damaged pair of spectacles was declined, even though the client had taken our advice and included valuable Accidental Damage cover within her household policy. Our investigation discovered that the insurer was relying upon a policy exclusion, which stated that damage caused by or in the process of cleaning, maintenance, repair, dismantling or altering was excluded and that as our client was wiping her spectacles clean at the time the damage occurred, the policy would not respond to her claim.

We managed to successfully argue our client’s case with the insurer, pointing out that it was unreasonable to exclude the claim on this basis, as the exclusion was clearly intended for claims involving damage to clothing in a washing machine or other more intensive cleaning and maintenance processes and that to use the exclusion to someone merely wiping clean their spectacle lenses, was not a fair way to treat their customers.  

The insurer eventually agreed with us that they were perhaps being a little short sighted in the handling of this claim and the client subsequently received her claims settlement without further delay!
Post has no comments.
Please leave a comment

Captcha Image

Brunsdon is the trading name of Brunsdon Financial Services Ltd. (Reg. No. 03434005), Brunsdon Insurance Brokers Ltd. (Reg. No. 03433998), Brunsdon Asset Management Ltd. (Reg. No. 07098607) and Brunsdon Employee Benefits Ltd (Reg. No. 11021460). All companies are registered at Goodridge House, Goodridge Avenue, Gloucester GL2 5EA. Tel. 01452 623623 E-mail. Brunsdon Financial Services Ltd. and Brunsdon Insurance Brokers Ltd. are authorised and regulated by the Financial Conduct Authority. Brunsdon Employee Benefits Ltd is an appointed representative of Brunsdon Financial Services Ltd. The FCA does not regulate tax advice and some elements of Automatic Enrolment.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.

This site uses cookies to enhance your visit experience.  See our Terms of use to discover more about this.  I  Privacy Policy

Copyright © 2018 Brunsdon.      All rights reserved