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Accept first offer?

  • 10-05-2012 5:20pm
    #1
    searchforpeg
    Registered Users, Registered Users 2 Posts: 21 ✭


    Recently made a claim on our home contents insurance. First offer is close to our claim. Doesn't cover our losses though. What do you think?


Comments

  • #2
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    What losses exactly just to get better idea of the issue?


  • #3
    searchforpeg
    Registered Users, Registered Users 2 Posts: 21 ✭searchforpeg


    chris85 wrote: »
    What losses exactly just to get better idea of the issue?
    Musical equipment stolen value €3k.


  • #4
    ravima
    Registered Users, Registered Users 2 Posts: 848 ✭✭✭ravima


    a bit confused here.

    'first offer is close to our claim'

    How much have you claimed and what is the offer? Is there a policy excess?


  • #5
    searchforpeg
    Registered Users, Registered Users 2 Posts: 21 ✭searchforpeg


    ravima wrote: »
    a bit confused here.

    'first offer is close to our claim'

    How much have you claimed and what is the offer? Is there a policy excess?
    Claim for €3.1k offer is €2.9k, deductible is €250.


  • #6
    whomitconcerns
    Registered Users, Registered Users 2 Posts: 4,396 ✭✭✭whomitconcerns


    maybe im missing summat but 3.1k less 250 is roughly 2.9k so seems correct?


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  • #7
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    whomitconcerns wrote: »
    maybe im missing summat but 3.1k less 250 is roughly 2.9k so seems correct?

    Yeah seems fine to me too with the excess on it. Not sure exactly the problem.


  • #8
    searchforpeg
    Registered Users, Registered Users 2 Posts: 21 ✭searchforpeg


    chris85 wrote: »
    Yeah seems fine to me too with the excess on it. Not sure exactly the problem.

    Thanks for all the replies. I haven't said there is a problem just soliciting opinions to help us decide best course. To clarify, we claim 3.1k, they offer 2.9k, PLUS there is a 250.00 deductible, bringing our total award to 2.65k. Any opinions appreciated. Cheers.


  • #9
    granturismo
    Registered Users, Registered Users 2 Posts: 1,953 ✭✭✭granturismo


    searchforpeg wrote: »
    ACCEPT FIRST OFFER... First offer is close to our claim. Doesn't cover our losses though. What do you think?

    The OP seems to be asking can they negotiate with the insurance company for a higher payout as the 'offer' doesnt cover the cost to replace the stolen items.


  • #10
    whomitconcerns
    Registered Users, Registered Users 2 Posts: 4,396 ✭✭✭whomitconcerns


    so they are valuing what you insured for 3.1k as 2.9k and did they tell you why that was? Wouldnt be happy without that


  • #11
    chris85
    Registered Users, Registered Users 2 Posts: 4,502 ✭✭✭chris85


    searchforpeg wrote: »
    Thanks for all the replies. I haven't said there is a problem just soliciting opinions to help us decide best course. To clarify, we claim 3.1k, they offer 2.9k, PLUS there is a 250.00 deductible, bringing our total award to 2.65k. Any opinions appreciated. Cheers.

    Ok thats clarified it. I would get onto them and see why they have undervalued it. Get some info on prices to replace the equipment from stores and show this to the insurance company and how they have undervalued.


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