We recently went to France and during our absence our electricity tripped off and we were left without power for over a week. When friends informed us we may have a problem with our electricity we were not too concerned as we were “insured”. OK, items such as food in our freezer were covered on our home contents insurance, so why worry? I had to smile, before leaving for France we had taken advantage of a supermarkets 25% promotional discount voucher so both freezers were stacked to capacity. Oh well, not to worry we were insured.
When we returned home yes our fridge/freezer and freezer were full of rotting food and in a right mess; black mold, rotting decaying sludge and the smell, as we opened the doors, was so awful it took your breath away.
Fortunately, our insurance broker’s office was still open so we telephoned immediately to ask their advice. Mr Piglet explained the situation, “No problem” he was told, “Take photos, make a list of the contents including value of all the items lost as a result of the power-failure”. We sent off the details as requested and sat back and waited….and waited…
The insurance brokers also advised us if the fridge and freezer were damaged we would need to get a technician’s report to accompany our claim. Luckily we managed to eradicate the dreadful smell, by using chunks of charcoal so a claim was not necessary.
Several weeks later Mr Piglet chased our claim for all the food we had lost, only to be informed we were not covered! Mr Piglet went BBQ red with anger. Apparently, we were only covered if we could prove the electricity supplier EDP failed to supply electricity for over twelve hours which then resulted in the loss of food. Our electricity supply had tripped due to a power surge and as such needed to be reset – pretty difficult as we were away. Even if it had not tripped how could we prove how long we were without electricity?. The wretched woman at the insurance brokers never told us this when we telephoned her for advice. I had to peel Mr Piglet off the ceiling such was his anger. Does this mean if you are on holiday you are not covered? What WHAT! What!
What’s the point of having insurance?
I sighed; it took me hours to list all the food and work out all the prices for the claim – what a waste of time.
As they say, “The devil is always in the detail, and on this occasion the detail proved to be a devil of a detail…are you still with me?
Am I alone? Please share your “insurance” experience below.
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