We have had problems with rats, amongst other things, chewing through electric power point cables resulting in a need for partial/full rewiring. Our insurance company, Lloyds (through Saga) - Premier Cover, have said "they cover squirrel damage but not other rodent damage". I have a letter from them denying liability. I think this is an unfair exclusion and have never been given a full list of exclusions - we were therefore not aware of the exclusion. The power points failed on 29 October when the electricity board's fuse blew and we were advised not to use the power circuit. Saga did arrange emergency cover to give us heating and hot water. We are having to live with a cable plugged into the garage circuit which is very inconvenient (we have to keep a downstairs toilet window open for the cable. We have no power upstairs, apart from lights. We have had the pest control people here laying poison and they are coming again next Wednesday to check for damage to the waste pipes (as they think that is where the rats are getting in). Do you think I should take this further with the insurance company or am I wasting my time? Is there anything you can do to help me? Where do i go from here? Roger XXXXXX
Hello Roger my name is ***** ***** I will help you with this.
For now please let me know whether their policy details exclude this or they are just saying this now?
Did they never supply the policy booklet?
Not the full policy but only a small booklet giving broad headings of buildings and contents - no details of relevant exclusions
No thank you
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