Sorry it's taken so long to get back to you but it's only today that we have heard back off the insurance company about these claims going back months !!!
I haven't mentioned to them regarding aggregated claims as I was awating their feedback.
They have emailed us today with the following:
Section D – Liability Section Definitions includes 7) Excess which states;
Excess shall mean the total amount payable by the Insured or any other person entitled to indemnity in respect of any Damage to Property arising out of any one occurrence or series of occurrences consequent upon or attributable to one source or original cause before the Underwriters shall be liable to make any payment
Insurers referred the matter to their Underwriters and have received confirmation that the intention of the wording is to apply one excess to each occurrence and or source which is deemed to be each cable failure. Therefore, I write to confirm that you will be required to pay the first £1,000.00 to each and every loss relating to any damage to property.
Surely Law they are contradicting themselves as the policy states "series of occurences (that I've highlighted in bold) ...
It's so frustrating and we look forward to your advice on moving forward.
Shall I ask them if their policy has this "aggregated" wording ?