********* and *********** business

Been a customer of Auto and General for 10 years.

Every time we've had to claim its been a unpleasant process and this current claim is no different.

Needed to claim for liquid damage to my personal computer which is covered under our home contents and was detailed in our household contents assessment done a year ago (btw... we were under insured and it was increased as per our approval but don't see why as you will see below).

Claim was rejected as its excluded from Auto & General's T & C's.

Nowhere in the policy schedule pdf which we receive via email does it state these T & C's nor it is in the body of the email (link to it).

I lodged a complaint with Auto & General's dispute department to then receive a letter stating "the customers laptop that received liquid damaged is not covered by my home contents cover".

Also note the following paragraph in the letter:

"Auto and General Insurance is committed to ensuring a fair and transparent complaint’s handling process. We are devoted in guaranteeing a review process of the highest standard."

The individual handling my dispute (Noorjahan) is clearly *********** in completing their duties as my claim was for a personal computer and not for a customers laptop.

I queried this and was advised that because I was working on a customers laptop they wont honor my claim.

When lodging the claim I was transparent and honest about what I was doing at the time of the incident.

I'm not sure at what point being a human being meant that accidents don't happen?

Maybe Auto & General should add this to their T & C's.

To break this all down to simple logic:

If you require short term insurance and want to ensure that any and all claims are honored then you must place all your items you want covered into your home and then lock the door and never go inside again.

Any competent individual knows that insurance companies are quick to take money for services they provide (more like silent *******) but when it comes down to using those services (lodging a claim) that they will come up with ANY excuse not to pay (take my claim as a classic example - blaming a customers laptop for rejection of my claim on an item THAT IS COVERED under our home contents).

Take away what you like from this complaint but if you enjoy the stress of dealing with an insurance company that is ********* and *********** then please sign up with Auto & General. Look at it as an extra added value service from them.