Yesterday I received a phone call from the C.I.S regarding my bathroom claim ( see previous blog) and they have now decided to give me an ex gratia payment which is roughly 3 times the amount first offered. Just shows folks it pays to be firm and ask for what you think is a fair amount. I am now awaiting a quote for a new bathroom and all being well I will be able to have the bathroom back to normal soon.(Well hopefully better than normal as I want a few extras in the new one)
The crocheting and knitting has taken rather a back seat lately but the dog is settling down into some kind of a routine and although I have far less time than before at least the day flies by and I am no longer as bored as I have been of late. Plus the fact that the exercise is hopefully helping to strengthen my back muscles. I can't improve the spine, only my eventual surgery can hopefully do that, but maybe if the muscles get stronger I won't be in such intense daily pain. At the moment some days I can cope with the pain (with the help of the painkillers) but some days I have to drag myself to walk the dog wincing at every step. But hey no pain no gain. I have had the dog for 2 weeks now and I think the good days outweigh the bad.
The knitting and crocheting in progress is doll clothes at the moment as I am awaiting a set of 4 needles to be delivered so I can start one of the baby hats from the Itty Bitty Hat Book, There is one particular hat that is like an upturned flower and I really want to make one each for my 2 step great grand daughters. I have been knitting and crocheting small garments in the hope of dwindling my stash of yarn but of course usually the things I want to make I have all the wrong colours for so I finish up buying yet more yarn!
I am hopefully buying a new pc shortly as this one is rather geriatric. I might have broadband but it's more like a rubber band with this one. By the time the web site has opened I have forgotten what I was looking at it for! It would help if I got some ink for the printer as well. I am a bit technophobic really. I never did master how to programme the video and as for DVD well I just haven't bothered with one of those! It takes me all my time to set the alarm clock to the right time. Technology passes me by.
Showing posts with label C.I.S insurance. Show all posts
Showing posts with label C.I.S insurance. Show all posts
Saturday, 10 March 2007
Tuesday, 6 March 2007
New for old !! What the insurance don't tell you!
I am still having an on-going wrangle with the C.I.S insurance over my claim for my bathroom. I have just spend another frustrating half hour with them on the phone and am still no nearer resolving my problem.
I have mobility problems and before my carpal tunnel operation I was rinsing my teeth and dropped the ceramic toothmug into the washbasin and cracked the basin. After cursing myself a few times I then thought no problem I have insurance. That was my first mistake! Yes I do have insurance but apparently it will only cover for the accidental damage and replacement of the broken article which is fine if you can actually find a match for the said article.
My bathroom suite is a discontinued colour ( yes I have searched on the net without success for a replacement) and it appears that my insurance company finds it perfectly acceptable for me to have a white washbasin fitted plus mis matched tiles in a turqoise colour co-ordinated fully tiled bathroom and cannot seem to understand why I am not over the moon with this suggestion. All I get told is to read the print on my insurance policy which states this. When I asked why it was not pointed out to me at the time I took out my policy that they will only pay for the chair of a matching 3 piece suite or one dining chair of a matching set of 6 I was told Oh we haven't got the time to spell out all of that if you had asked specific questions then the insurance salesman would have answered them. Sorry I didn't know that was one of the questions I should have asked. Is there anything else I should know I wonder?
Today I got a call from the first building contractor they sent saying they were ready to start the work. What work? I have not agreed to any work. I said what have I allegedly agreed to and the girl said oh a replacment washbasin. What colour I said. Oh I don't know she said but could I be sure to have the cheque for £50 ready when they called ( the excess payment I am liable for). Apparently the C.I.S has agreed to pay £145 (less my £50) making it £95 in all. I said I haven't agreed to anything and phoned the C.I.S to be treated like some kind of nuisance by the young woman on the end of the phone. I have been referred to the non standard claim dept now as I won't accept the first offer made apparently! The last time I phoned to ask about my claim all C.I.S did was to send a 2nd builder out who was told I had a dispute with the first builder accusing him of overcharging with his bathroom quote!! Not only am I being passed from pillar to post I am being wrongly branded a trouble maker amongst the builders!
If anyone is reading this please double check your insurance policies to find out what you are covered for or you might find yourself in the same plight as me. I am now being railroaded into accepting a totally inadequate payment for a replacement washbasin when I am going to have to foot the bill now for a whole new bathroom plus tiling out of my meagre savings ( I am now living on pension as I had to retire from work on ill health)to bring my bathroom back up to the standard it was before the accident.
New for Old policy my arse! How can it be that when all they will offer is a mismatched washbasin and tiling? My bathroom will look nothing like the old if I settle for that. All it will do is de-value my property and upset me every time I walk into the bathroom.
The crocheting and knitting has been totally sidelined lathough I did manage to knit a 16" Doll coat in a 3 coloured fair isle pattern.
I wonder if I can complain to my local newspaper. Hmm I wonder if the C.I.S will appreciate that kind of publicity. Just a thought!
I have mobility problems and before my carpal tunnel operation I was rinsing my teeth and dropped the ceramic toothmug into the washbasin and cracked the basin. After cursing myself a few times I then thought no problem I have insurance. That was my first mistake! Yes I do have insurance but apparently it will only cover for the accidental damage and replacement of the broken article which is fine if you can actually find a match for the said article.
My bathroom suite is a discontinued colour ( yes I have searched on the net without success for a replacement) and it appears that my insurance company finds it perfectly acceptable for me to have a white washbasin fitted plus mis matched tiles in a turqoise colour co-ordinated fully tiled bathroom and cannot seem to understand why I am not over the moon with this suggestion. All I get told is to read the print on my insurance policy which states this. When I asked why it was not pointed out to me at the time I took out my policy that they will only pay for the chair of a matching 3 piece suite or one dining chair of a matching set of 6 I was told Oh we haven't got the time to spell out all of that if you had asked specific questions then the insurance salesman would have answered them. Sorry I didn't know that was one of the questions I should have asked. Is there anything else I should know I wonder?
Today I got a call from the first building contractor they sent saying they were ready to start the work. What work? I have not agreed to any work. I said what have I allegedly agreed to and the girl said oh a replacment washbasin. What colour I said. Oh I don't know she said but could I be sure to have the cheque for £50 ready when they called ( the excess payment I am liable for). Apparently the C.I.S has agreed to pay £145 (less my £50) making it £95 in all. I said I haven't agreed to anything and phoned the C.I.S to be treated like some kind of nuisance by the young woman on the end of the phone. I have been referred to the non standard claim dept now as I won't accept the first offer made apparently! The last time I phoned to ask about my claim all C.I.S did was to send a 2nd builder out who was told I had a dispute with the first builder accusing him of overcharging with his bathroom quote!! Not only am I being passed from pillar to post I am being wrongly branded a trouble maker amongst the builders!
If anyone is reading this please double check your insurance policies to find out what you are covered for or you might find yourself in the same plight as me. I am now being railroaded into accepting a totally inadequate payment for a replacement washbasin when I am going to have to foot the bill now for a whole new bathroom plus tiling out of my meagre savings ( I am now living on pension as I had to retire from work on ill health)to bring my bathroom back up to the standard it was before the accident.
New for Old policy my arse! How can it be that when all they will offer is a mismatched washbasin and tiling? My bathroom will look nothing like the old if I settle for that. All it will do is de-value my property and upset me every time I walk into the bathroom.
The crocheting and knitting has been totally sidelined lathough I did manage to knit a 16" Doll coat in a 3 coloured fair isle pattern.
I wonder if I can complain to my local newspaper. Hmm I wonder if the C.I.S will appreciate that kind of publicity. Just a thought!
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