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What does the policy terms say about such problems please?
Is there a reason why they are making you take a gift card?
My insurers have passed it to a a third part who handle these claims.
Ok - but what does your policy say?
I have spoken to some jewelers who say that it's because they have to give the company a discount. I also think that they may be trying to get the VAT back but am not sure.
The Policy doesn't seem to be specific as to how the claims are handled
One independant jeweler said I don't have to accept this
Well the fact they give a discount is not your problem
The £1900 is agreed and unless the policy states they will give you a discounted rate for cash then they can not
You should write and set out your complaint making reference to the policy
In particular for the insurance company to apply a reduction it must be in the terms
The company will investigate the matter
If you are not satisfied then you can complain to the Ombudsman
They are independent and can offer a free review
Their website is: www.financial-ombudsman.org.uk
Can I clarify anything for you about this today please?
Ok Alex thanks for you help
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I will ask my insurance broker to look into the policy terms for me
You have been a great help