Ask a Law Question, Get an Answer ASAP!
I took a 5 year insurance on an iPad that I got From PC World. I have had the iPad 3 years. On new years eve the iPad got damaged. We had friends round New years party. At some point the iPad got damaged. I do not no how or who. We found the iPad the next day when we were cleaning up. Took the iPad to PC World. They sent it to there repairers who sent it back saying that in there opinion the damage was not done by accident. I relied by letter explaining what had happened but they still would not agree to repair the iPad.
I took the iPad to apple and the agreed that the damage to the iPad could have been caused by someone standing on it.
I have a letter from the apple engineer stating this.
what should I do next.
I do not no how the iPad was damaged. We think that it was stood on?
Have you sent me an answer??
I fail to see how the insurance company knows more than the Apple engineer. I also fail to see how they can decide whether it was deliberately trodden on or trodden on by accident.
Tell the insurance company that unless they agree to pay out on this, you will serve the right to refer the matter to the Financial Ombudsman as a complaint against the insurance company, your discretion, simply to issue Small Claims Court proceedings against the cost of the repair without further notice.
It is up to you which way you decide to proceed with this but you need to have exhausted the insurance companies complaints procedure before proceeding with either.
Unfortunately, neither process is going to be quick and if it goes to the ombudsman or court, it could take 12 months. reason, you might want to consider paying repair yourself and then simply recovering the money from the insurance company.
Here is the link to the Ombudsman complaint page
And also to the Small Claims Court
Can I clarify anything ?