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avia insurance

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  • avia insurance

    Hi L/B's
    Just need some advice about a claim I made in april regarding accidental damage to my computer. The insurance company replaced this for me as the original was unreperable, liquid was spilled onto the main unit. The computer was only about 12 months old. My claim was passed onto a company named 'SPIRE Techhnology'
    In the initial stages of the claim Spire contacted me saying due to the high specs of my computer they have had to build one manually as the original was no longer available to purchase. Being told that the replacement would be as good if not beter than the original. (This is stated in the terms and conditions of the insurance)
    To cut the story short I have just foud out the replacement is no where as high in specifications as the original pc, and the pc model that was damaged is still available to purchase.
    I have contacted the insurance company explaining all the above, enclosed specifications of both computers, the original and the replacment and asked for my computer to be replaced with the same model or one as good. If not please forward founds and i will purchase it directly. When one of the above had occured i would then return the replacment pc.
    Sorry this goes on so long, but i feel i have been ripped off. I contacted the insurance people today enquiring to see if they had recieved my letter, they had not, although i have a electric signiture to say it had been delivered.
    In reaying the events to the lady on the other end what had happenned, she replied "You accepted th replacement, and should have checked out the replacment pc online. " I tried to explain, the pc was built and not available to purchase from a retailer.

    Have I handled this correctly and do I have a case for complaint, any further advice on what i should do next will be greatly appreciated
    Many thanks
    gillwall.
    Tags: None

  • #2
    Re: avia insurance

    I would think the answer to this will lie in your T&C's. Does it mention replacing like with like? If not, what is said in this section?

    There may be a problem in the fact that it has taken 7-8 months for this to come to light, I don't know.
    Last edited by labman; 6th December 2011, 23:45:PM.

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    • #3
      Re: avia insurance

      Hi
      The terms and conditions state that if the item is not reperable, it will be replaced with new of the same standared or higher.
      with thanks
      gillwall

      Comment


      • #4
        Re: avia insurance

        If that is the case you need to complain formally to Aviva here:

        Existing Customers - Making a complaint - Aviva

        If that does not resolve the issue, you need to complain to the Financial Ombudsman Service here:

        how to complain – the first steps

        They will expect you to have exhaused Aviva's complaints policy, so unfortunately, although it delays things for you, it is an essential step.

        Hope this helps. :tinysmile_grin_t:

        Comment


        • #5
          Re: avia insurance

          I have never to have business with all this insurance stuff about my computer(((((

          Comment


          • #6
            Re: avia insurance

            I had a problem with Aviva a couple of years ago and took my complaint straight to the CEO's office. The bottom line was we were reinstated as they had accidentially taken us off of cover, they had not made specific notes on the system following phone calls to them. They sent us a hamper by way of apology and made us back to where we should have been before their staff messed up on our insurance policy. I found their CEO's office got to the crux of the matter very quickly and sorted it.

            This is my thread http://www.legalbeagles.info/forums/...ad.php?t=21098
            Last edited by TUTTSI; 7th December 2011, 09:08:AM.

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