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By (user no longer on site) OP
over a year ago
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My brother has been with his insurance company over twenty years and never claimed,yesterday lightening went through his house ,which is out in the wilds on its own,and ruined every electrical appliance in his house ,from TVs to toasters also a chalet in the grounds was to,they say its an act of god and they dont want to know,its going to cost thousands to replace,yet when people were flooded insurance companies were paying out,surely that was an act of God to,i dont see the difference. |
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I just got a quote of my house insurance for ££ 447.86p so i called them and said i want to leave as ive a cheaper quote they said how about ££ 336 17 . Like omg why not send that one first ?? Play them as they play us xx |
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By (user no longer on site)
over a year ago
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Jeez! Hope your brothers ok 
Toasters and the like are replaceable, could of been a lot worse.
Surely it's got to come under the insurance unless there's something in the small print excluding such events.
But an act of God? Naaaaah |
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By (user no longer on site)
over a year ago
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Wow, sorry to hear that. Insurance companies are cu*ts generally, always trying to wriggle out of paying. I guess if it's in the small print there's little they can do but it does seem harsh  |
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By (user no longer on site) OP
over a year ago
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"I just got a quote of my house insurance for ££ 447.86p so i called them and said i want to leave as ive a cheaper quote they said how about ££ 336 17 . Like omg why not send that one first ?? Play them as they play us xx"
Thats a big difference ,they want our money but dont want to pay out .
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By (user no longer on site) OP
over a year ago
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"Wow, sorry to hear that. Insurance companies are cu*ts generally, always trying to wriggle out of paying. I guess if it's in the small print there's little they can do but it does seem harsh "
They dont want to know |
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By (user no longer on site) OP
over a year ago
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"Jeez! Hope your brothers ok
Toasters and the like are replaceable, could of been a lot worse.
Surely it's got to come under the insurance unless there's something in the small print excluding such events.
But an act of God? Naaaaah "
Yes he's ok thank goodness  |
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By (user no longer on site)
over a year ago
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Firstly you should ask the insurance company to prove the existence of god and have a solicitor challenge the claim on the basis that your brother will only drop the claim if "God" accepts liability.. if an insurance company can demand a loss adjustor to disprove foul play in any circumstance why can you not chase this claim to disprove a false deity of being responsible.
Secondly, his electrics must of been well out dated, with up to date consumer units and earth bonding this wouldnt of happened!! |
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By *igjrvMan
over a year ago
blackwood |
Take god to court!. He probably won't turn up. Then the courts will award you the right to take on the insurance companies policy of 'acts of god'. You will win as they won't be able to prove god exists.
However. If god does turn up then this is idea is proper fucked. And you may suffer rath on a biblical scale. Expect swam of locusts, tidal waves and famin.
P.s. disregard all of this as it may cause innocent bistanders to get there gardens eaten and they may get a lot wet so the inuance companies will win anyway.
Fuck I'm 50/50. Wish I never got into this its a minefield. |
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By (user no longer on site)
over a year ago
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"Then ask them to prove that God exists ..."
This! What the fuck is the point in even having a home insurance policy in place which doesn't cover minor natural disasters?
On those grounds anything at all accidental ever can be an 'act of god' insurance companies are total scum.
I hope he gets what they owe him soon! |
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By (user no longer on site)
over a year ago
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Don't let them get away with that. My father had somethibg similar happen (albeit in the US). He said he didn't believe in God and he wanted his money. I'm the end, after a lot of bother, he got paid.
It's actually a good thing to look for in any contract you sign. If you ever see the term (and it's boilerplate in most contracts) ask them for a definition and if you don't like the definition, have it removed before signing if you can. |
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By (user no longer on site)
over a year ago
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That's why we don't bother with household insurance.It's a complete waste of time and money.You pay these companies loads of money every month but when it comes to them paying you money they either drag their heels or find some excuse not to pay out |
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By (user no longer on site)
over a year ago
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He should watch the film "The man who sued God". Then he can sue the Catholic Church, C of E, Jews and even the Muslims. They all claim to be God's representatives on Earth.   |
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By (user no longer on site)
over a year ago
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Tell him to ask them for the breakdown of what cant be claimed for because of an act of God.
Why they use that term I don't know, UK insurance firms cant use the term Act of God anyway, its not in any exclusions on UK policies.
Is he covered for storm damage? lightening comes with storms
He needs to check out his small print, but it must specifically say lightening damage, not Act of God |
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By *inaTitzTV/TS
over a year ago
Titz Towers, North Notts |
I used to work in buildings insurance. I spent a few years validating claims, ie looking at pictures of roofs and weather reports and then deciding if it was covered.
This would be a contents claim, so I have no direct experience here. However, from what I do remember, lightning is sometimes classed under the storm peril heading. So whilst his white goods may not be covered, any structural damage may be. If he has accidental damage cover, then it is possible that the resulting damage may be covered under that, unless the definition has changed for a 3rd time.
Also remember, that someone who has held a policy for 20 years with the same company is entitled to the same level of cover as someone who has held it for 20 minutes. It's a contractual thing, not a thing that goes through on the nod simply because you now own the company after 20 years.  |
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An "act of God " is defined in English law ( as a result of case law precedent) as something;
which involves no human agency
which is not realistically possible to guard against
which is due directly and exclusively to natural causes and
which could not have been prevented by any amount of foresight, plans, and care.
I don't believe it can be specifically stated in an insurance policy anymore.
But an insurance policy can exclude certain "natural disasters". When it does, then they are commonly referred to as " acts of God" . In this case, there may well be exclusions in the insurance.
For instance: a freind of mine had a tree in his garden fall and crush his car.
He had insurance against trees falling. But they didn't lay out; because the insurance was to cover him if the tree fell on someone else's car, not his own.
His car insurance didn't pay, because his car was crushed by his tree( if it had been crushed my someone else's tree, it would have been covered)
You have to check what is actually insured. For many years, " damage due to war or terrorist act " was excluded from insurance.
That's why you read the contract. |
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By (user no longer on site) OP
over a year ago
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"Firstly you should ask the insurance company to prove the existence of god and have a solicitor challenge the claim on the basis that your brother will only drop the claim if "God" accepts liability.. if an insurance company can demand a loss adjustor to disprove foul play in any circumstance why can you not chase this claim to disprove a false deity of being responsible.
Secondly, his electrics must of been well out dated, with up to date consumer units and earth bonding this wouldnt of happened!! "
Thats where you are wrong as every appliance is up to date ,and i mean up to date . |
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By (user no longer on site) OP
over a year ago
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And i was with the same company a couple of years ago when my bathroom ceiling came down,they sent a representative round and i was told it was wear and tear as the building was old,so hence i took my business else where. |
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By *inaTitzTV/TS
over a year ago
Titz Towers, North Notts |
" And i was with the same company a couple of years ago when my bathroom ceiling came down,they sent a representative round and i was told it was wear and tear as the building was old,so hence i took my business else where."
You have a duty to maintain your property. Wear and tear isn't an insurable peril. No insurance company will cover cases of wear and tear. |
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By (user no longer on site) OP
over a year ago
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" And i was with the same company a couple of years ago when my bathroom ceiling came down,they sent a representative round and i was told it was wear and tear as the building was old,so hence i took my business else where.
You have a duty to maintain your property. Wear and tear isn't an insurable peril. No insurance company will cover cases of wear and tear. "
Never mind wear and tear and acts of god,they wont cover anything ,it came in due to a flood in the bathroom. |
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By *inaTitzTV/TS
over a year ago
Titz Towers, North Notts |
" And i was with the same company a couple of years ago when my bathroom ceiling came down,they sent a representative round and i was told it was wear and tear as the building was old,so hence i took my business else where.
You have a duty to maintain your property. Wear and tear isn't an insurable peril. No insurance company will cover cases of wear and tear. Never mind wear and tear and acts of god,they wont cover anything ,it came in due to a flood in the bathroom. "
When I worked in the industry we probably covered about 80% of claims. Any repudiation was fair. It wasn't worth chancing it with a dodgy repudiation, so we generally gave the policy holder the benefit of the doubt.
A flood in a bathroom would probably be an EOW (escape of water) from a fixed water apparatus, ie a pipe leak, etc. It could be repudiated on grounds of gradually operating cause, which is something that has been leaking for ages and which is a wear and tear issue and so not covered by the policy.
It could also be faulty workmanship, which is also not covered.
If it was a bath or a sink overflowing, then it would be accidental damage, which would only be covered if you have AD cover.
If you were to drop a hammer and it smashed the bath whilst full of water, then that would be Impact damage and covered.
I once had a case where someone had knocked a metal ornament off of a windowsill, which had then smashed the bath, bounced into the loo, smashing the pan and then ended up in the shower tray, fracturing that. I wanted to throw it out and get the fraud chaps involved, but the insurer gave them the benefit of the doubt. |
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By (user no longer on site)
over a year ago
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I had pet insurance for my dogs, had it since they were puppies, paid every month, never had any problems, only made a few small claims nothing more than £100 in the past but then my Labrador started having fits, took him to the vets and after some tests they said he had epilepsy, what with the cost of the scans, blood test etc the bill came to just over £800, plus on going Fee's for medication and blood tests for his liver every three months for the rest of his life, expensive condition, so I paid the excess and put a claim in from my insurance and guess what, they didn't want to know they sent me a letting giving me notice they were cancelling my account, I called ombudsman up and was told so long as I had 28 days notice in writing they were perfectly within their rights to do so
Whats the point in having insurance if they legally can cancel it as soon as you put a big claim in?
So now I have a epileptic dog which no insurance company will touch with a barge pole
Tell your brother I feel his pain |
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By (user no longer on site) OP
over a year ago
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"I had pet insurance for my dogs, had it since they were puppies, paid every month, never had any problems, only made a few small claims nothing more than £100 in the past but then my Labrador started having fits, took him to the vets and after some tests they said he had epilepsy, what with the cost of the scans, blood test etc the bill came to just over £800, plus on going Fee's for medication and blood tests for his liver every three months for the rest of his life, expensive condition, so I paid the excess and put a claim in from my insurance and guess what, they didn't want to know they sent me a letting giving me notice they were cancelling my account, I called ombudsman up and was told so long as I had 28 days notice in writing they were perfectly within their rights to do so
Whats the point in having insurance if they legally can cancel it as soon as you put a big claim in?
So now I have a epileptic dog which no insurance company will touch with a barge pole
Tell your brother I feel his pain "
Thankyou xx |
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By (user no longer on site)
over a year ago
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"Firstly you should ask the insurance company to prove the existence of god and have a solicitor challenge the claim on the basis that your brother will only drop the claim if "God" accepts liability.. if an insurance company can demand a loss adjustor to disprove foul play in any circumstance why can you not chase this claim to disprove a false deity of being responsible.
Secondly, his electrics must of been well out dated, with up to date consumer units and earth bonding this wouldnt of happened!! Thats where you are wrong as every appliance is up to date ,and i mean up to date ."
What is your reference to "appliance".. im not talking about toasters! |
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By (user no longer on site)
over a year ago
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It's not an act of God that's the issue, but you need a proximate cause to be covered, so storm flood etc, lightening doesn't fall under those.
The contents can be covered, depending on policy coverage and when it happened etc.
The sudden surge of power will also blow an electrical items I have also seen plaster be shook off walls and ceilings with the surge.
Also you can't go to the ombudsman until you have lodged a complaint and it be resolved with all levels of customer service/care in the insurance company. |
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"Firstly you should ask the insurance company to prove the existence of god and have a solicitor challenge the claim on the basis that your brother will only drop the claim if "God" accepts liability.. if an insurance company can demand a loss adjustor to disprove foul play in any circumstance why can you not chase this claim to disprove a false deity of being responsible.
Secondly, his electrics must of been well out dated, with up to date consumer units and earth bonding this wouldnt of happened!! Thats where you are wrong as every appliance is up to date ,and i mean up to date ."
" appliance"? That's immaterial; if everything blew; them possibly the wiring circuits were old/ faulty; the main earth was faulty; the circuit breakers ( if fitted) were faulty ; the consumer unit was not up to standard, incorrect master fuse . All could contribute.
Where I am, we have lots of electrical storms; our circuit breakers are tuned to react faster than a lightning pulse . |
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By (user no longer on site) OP
over a year ago
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Items knackered
4 televisions and preview boxes
2 freezers
2 fridge freezers and contents
Radio's
Xbox
8 kettles
Toasters
3 microwaves
Its a b/b buggered his business right up and the chalet to . |
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By (user no longer on site) OP
over a year ago
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"On what ground could he return them? They weren't faulty when they left the shops, so the Sales of Goods and Services Act would not apply."
Very true.
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By (user no longer on site)
over a year ago
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"On what ground could he return them? They weren't faulty when they left the shops, so the Sales of Goods and Services Act would not apply. Very true. "
He would possibly need to prove they were fault at the point of sale if they're over 6 months old too |
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By (user no longer on site)
over a year ago
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Acts of God are usually exclusions under US insurance.
In the UK however (taken from a leading insurance website):
There is a general perception that insurance policies do not cover Acts of God. This is interesting as it is flawed wisdom on so many levels.
Let us start with the easiest level, policies in the UK do not exclude Acts of God. If you have a policy that does contain an Act Of God exclusion, please refer it to us and we shall be delighted to investigate this for you.
A historical perspective on Acts of God in insurance
At one time the exclusion could be found in insurance policies and indeed it can still be found in some non-insurance contractual conditions. This was an expression used to describe an event or event arising from natural causes and was both fortuitous and unforeseeable. It is a quaint expression but has no legal meaning.
The theological argument is even more challenging to the brain, does the atheist enjoy full cover, the agnostic, some cover perhaps but the devout almost none!
Now consider that polices do offer cover in respect of lightning perils, storm perils, flood perils, earthquake perils and subterranean fire and have done for many years. These are clearly events that would be considered as an Act of God in most people’s consideration, so in truth even those who perceive that Acts of God are not covered already know better!
On a cautionary note, do not assume that your insurance covers you for any type of biblical plague or pestilence, all insurance policies have exclusions such as “vermin, insects, fungus” but such exclusions are clearly identified in your policy and not excluded by some arbitrary and meaningless exclusion.
As always if you are in any doubt as to your policy cover consult your policy document or your insurance broker and if we may be of assistance you can of course contact us directly. |
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