EU touring.

runnach said:
Cannae wait for March to arrive, then off 👍👍👍👍👍
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We're coming to the end of a 60 day trip (limited by the downrated Aviva policy T&C's re Unoccupancy Cover), so we'll be back for about 3 weeks (get M/home serviced, get lithium battery upgrade, visit GP for full service) and we'll start a new 60 days trip ...

Absolute bloody nonsense by Aviva

Steve
 
marchie said:
We're coming to the end of a 60 day trip (limited by the downrated Aviva policy T&C's re Unoccupancy Cover), so we'll be back for about 3 weeks (get M/home serviced, get lithium battery upgrade, visit GP for full service) and we'll start a new 60 days trip ...

Absolute bloody nonsense by Aviva

Steve
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Steve, can you not have a neighbour pop in now and again to check all ok within your gaff, even better if you have an alarm installed?
 
marchie said:
We're coming to the end of a 60 day trip (limited by the downrated Aviva policy T&C's re Unoccupancy Cover), so we'll be back for about 3 weeks (get M/home serviced, get lithium battery upgrade, visit GP for full service) and we'll start a new 60 days trip ...

Absolute bloody nonsense by Aviva

Steve
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Insurance companies cannot prove your house was / is unoccupied unless someone knows your company and dobs you in.
 
Jo001 said:
I wouldn't put it past them to ask for proof of your travel dates.
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Good point but they need a reason and won’t have one unless someone dobs you in or they have sufficient admin staff to insist on receiving and checking the holiday dates of every policyholder.

So I think it highly improbable.
 
mblinko said:
Insurance companies cannot prove your house was / is unoccupied unless someone knows your company and dobs you in.
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They can ask for travel dates, details of energy consumption, details of travel insurance etc. They hold the whip hand because they decide whether a claim is valid or not. And, when we were flooded in December 2022 by our neighbour, Aviva refused part of our Claim as outside the terms of the policy; fortunately, the Financial Services Ombudsman decided in our favour

Steve
 
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runnach said:
Steve, can you not have a neighbour pop in now and again to check all ok within your gaff, even better if you have an alarm installed?
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No, Terry. Aviva specifically exclude that from 'occupation', even if the neighbour or friend 'sleeps at the property for 1 night'

Steve
 
marchie said:
They can ask for travel dates, details of energy consumption, details of travel insurance etc. They hold the whip hand because they decide whether a claim is valid or not. And, when we were flooded in December 2022 by our neighbour, Aviva refused part of our Claim as outside the terms of the policy; fortunately, the Financial Services Ombudsman decided in our favour

Steve
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Exactly…… if there is a claim.
 
mblinko said:
Exactly…… if there is a claim.
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The point of insurance is to be protected if there is a claim, and if I stay longer than 60 days, I won't be insured, so I may just as well stay longer, save the Annual Premium towards any repair bills, and develop a belief in a God, if I follow your 'logic'

Steve
 
marchie said:
The point of insurance is to be protected if there is a claim, and if I stay longer than 60 days, I won't be insured, so I may just as well stay longer, save the Annual Premium towards any repair bills, and develop a belief in a God, if I follow your 'logic'

Steve
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Exactly.
 
mblinko said:
they have sufficient admin staff to insist on receiving and checking the holiday dates of every policyholder.
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It wouldnt be every policyholder though. Only those who claimed, and the first question would be "was the property occupied at the time" swiftly followed by "between which dates was it unoccupied".
 
mblinko said:
Good point but they need a reason and won’t have one unless someone dobs you in or they have sufficient admin staff to insist on receiving and checking the holiday dates of every policyholder.

So I think it highly improbable.
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You obviously have not had to make a claim against Aviva, otherwise you would not post replies like this. Aviva deal with the claim but then outsource the work to a central contractor who then then uses approved sub contractors who then arrange, eventually, for the policyholder with £25,000 contents cover, including accidental damage, for a Listed Building that there is a limit of £50 for the cost of replacing a ceiling rose ... So, yes, they do have the staff, direct or contracted, to explore every aspect of cover and to argue over pennies, even when their position is absurdly untenable. 'You cannot replace your light until it has been inspected by our specialist's, so we had to wait 3 months for an electrician to confirm that pouring the contents of a water tank onto a transformer via the ceiling rose will cause the light to fail ... The 3 months were December through to early March, so not much need for electric light at that time of year ...

Feel free to come back to me when you've had experience of Aviva insurance claims ...

Steve
 
marchie said:
You obviously have not had to make a claim against Aviva, otherwise you would not post replies like this. Aviva deal with the claim but then outsource the work to a central contractor who then then uses approved sub contractors who then arrange, eventually, for the policyholder with £25,000 contents cover, including accidental damage, for a Listed Building that there is a limit of £50 for the cost of replacing a ceiling rose ... So, yes, they do have the staff, direct or contracted, to explore every aspect of cover and to argue over pennies, even when their position is absurdly untenable. 'You cannot replace your light until it has been inspected by our specialist's, so we had to wait 3 months for an electrician to confirm that pouring the contents of a water tank onto a transformer via the ceiling rose will cause the light to fail ... The 3 months were December through to early March, so not much need for electric light at that time of year ...

Feel free to come back to me when you've had experience of Aviva insurance claims ...

Steve
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Maybe go with different insurance company ?
 
runnach said:
Cannae wait for March to arrive, then off 👍👍👍👍👍
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That's when we get back!

Currently in Calpe for 2 weeks then up to Benicassim for another 3. Loving the warm weather and wondering if anyone is left in Germany as a good % of their population is in Spain in motorhomes!
 
El radge said:
Maybe go with different insurance company ?
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There is no provision on the Claim History to explain that it was the neighbour's fault, so we are assumed to be the problem; the flat is a Listed building, so the insurance companies prepared to consider cover is limited and the premiums/excesses are ludicrous. And Aviva provide a huge number of UK policies, including 'badged' policies for HSBC, M&S, John Lewis etc

Just have to grin and bear it for another year in the hope that the claim impact begins to fade and I can change company

Steve
 
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