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Name: M B

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Contradicting documents - Pointless cover

We have had Home and Contents insurance with Policy Expert since 2018 as it seemed that everything was covered, inside the property as well as on the premises (garden, driveway and garage) and this is clearly stated in 2 documents. However my wife recently lost her engagement ring down the kitchen sink and when we submitted a claim it came back as 'declined' due to the ring being lost 'inside the property' they stated that you cannot lose a ring in your property unless it is stolen via theft - you can only 'misplace' an item within the house! I stated that a ring being washed down the sink is not 'misplaced' it is lost, to which they agreed but still could not overturn the claim decision. It clearly says it is covered in 2 policy documents. Had we known this 5 years ago then we would not be with them, we certainly won't be renewing our policy with them. BEWARE!! Reviewed on: 4th November 2023

Reply from Hello, We appreciate you taking the time to leave us a review. We would be grateful for the opportunity to look into your comments further but unfortunately, we're unable to locate your policy via the details contained in your review. If you could please contact us at [email protected], we'll pick this up right away. Thanks, Nisha Response date: 20th November 2023