Our client has unfortunately had his car stolen and, as a result, the vehicle was written off together with children's car seats.
The motor insurer considers they are personal belongings for which there is a £100 limit and the household insurers define them as motor accessories which are excluded.
Neither will budge so the client loses out on what should be a perfectly admissible claim and for which he should be paid in full - no wonder our industry is held in such low regard when two insurers cannot agree on the definition of a more or less everyday basic item.
Regrettably we do not act for both classes so we cannot bang any heads together.
Any comments would be appreciated.
Mike Cullen
Director, Moffatt Saunders IB
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