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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 31768
Experience:  Over 5 years in practice
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We recently had a burglary at home, amongst the items stolen

Customer Question

We recently had a burglary at home, amongst the items stolen was my partners jewellery box and contents the insurance company sent an assessor who valued the jewellery at approx £11000. In settlement the insurance company have now made the following offer: £11000 in vouchers to purchase new jewellery or £8000 cash / cheque saying the difference is to cover VAT etc. Surely if the assessor has valued the jewellery at £11000 that is what there liability is and they should pay the higher amount in cash etc so she has the choice of here she buys the replacement. What is the legal position please?
Submitted: 1 year ago.
Category: Law
Expert:  JGM replied 1 year ago.
Thank you for your question.
An insurance policy is a contract. What does it say about the way claims are to be settled?