Thorpey Posted February 16, 2014 Share Posted February 16, 2014 Missus gets her i-phone robbed from the hairdressers. Hoodie caught on CCTV running in and legging it. AXA agree to the claim and send £279 and tell her to get the £100 excess from the owner of the salon. Is this right? What do I do, go round and ask him for it? Never heard of this before, I thought AXA paid out and he paid them. Advice would be welcome. Ta. Quote Link to comment Share on other sites More sharing options...
Sweep Posted February 16, 2014 Share Posted February 16, 2014 I don't see why the owner of the salon would hand over the £100 excess, that just doesn't sound right at all. Quote Link to comment Share on other sites More sharing options...
Ani Posted February 16, 2014 Share Posted February 16, 2014 Missus gets her i-phone robbed from the hairdressers. Hoodie caught on CCTV running in and legging it. AXA agree to the claim and send £279 and tell her to get the £100 excess from the owner of the salon. Is this right? What do I do, go round and ask him for it? Never heard of this before, I thought AXA paid out and he paid them. Advice would be welcome. Ta. Whose insurance have you claimed on ? Quote Link to comment Share on other sites More sharing options...
Traf Posted February 16, 2014 Share Posted February 16, 2014 Whose insurance company is paying out? Surely the claim should be from the shop? Quote Link to comment Share on other sites More sharing options...
Thorpey Posted February 16, 2014 Author Share Posted February 16, 2014 Whose insurance company is paying out? Surely the claim should be from the shop? It is the claim from the shop insurance and they agreed to pay given the CCTV. Just don't get why we have to chase the £100 excess. ??? Quote Link to comment Share on other sites More sharing options...
Traf Posted February 16, 2014 Share Posted February 16, 2014 If you lost a £400 item and claimed off your own insurance, they'd send you £300. If the shop claims your £379, they'll receive £279 from Axa and have to give you £100 from the till/takings etc. Seems fair to me, go get it. Quote Link to comment Share on other sites More sharing options...
Ani Posted February 16, 2014 Share Posted February 16, 2014 (edited) It is the claim from the shop insurance and they agreed to pay given the CCTV. Just don't get why we have to chase the £100 excess. ??? The insurance company's liability is the insured amount minus the excess they have paid that, if you want the full amount the only people who can pay that are the shop. Although I would have thought that the contract for insurance is not with you, so not sure what the excess has to do with you. If you have car crash then the excess is recovered from the third party (when the accident is not your fault )you do not have to go and chase the excess. Edited February 16, 2014 by Ani Quote Link to comment Share on other sites More sharing options...
little whitt Posted February 16, 2014 Share Posted February 16, 2014 was it in her bag/coat most woman have it in there pocket or hand Quote Link to comment Share on other sites More sharing options...
gonzo Posted February 16, 2014 Share Posted February 16, 2014 Seems a bit harsh on the shop IMO. Quote Link to comment Share on other sites More sharing options...
Exiled Girl Posted February 16, 2014 Share Posted February 16, 2014 It's their decision what level of excess to have. Quote Link to comment Share on other sites More sharing options...
Thorpey Posted February 16, 2014 Author Share Posted February 16, 2014 was it in her bag/coat most woman have it in there pocket or hand In her bag by the counter where you pay on the way out. Quote Link to comment Share on other sites More sharing options...
stevieb Posted February 16, 2014 Share Posted February 16, 2014 Is it under your home insurance? If you have legal expenses cover this would surely class as an uninsured loss, the claims settled in your favour so the legal expenses should be able to recover the excess. Quote Link to comment Share on other sites More sharing options...
Thorpey Posted February 16, 2014 Author Share Posted February 16, 2014 Is it under your home insurance? If you have legal expenses cover this would surely class as an uninsured loss, the claims settled in your favour so the legal expenses should be able to recover the excess. Missus works for our insurance co and police advised to go to salon insurer given CCTV evidence, but never caught him. Just don't get why we chase the excess and what happens if he refuses to pay or doesn't pay. She's never come across this before. Quote Link to comment Share on other sites More sharing options...
Site Supporter barryk32 Posted February 16, 2014 Site Supporter Share Posted February 16, 2014 Why is the shop owner footing it at all? Genuinely curious. Quote Link to comment Share on other sites More sharing options...
no balls Posted February 16, 2014 Share Posted February 16, 2014 Why is the shop owner footing it at all? Genuinely curious. I'd presume she's a client & they have liability insurance. Quote Link to comment Share on other sites More sharing options...
no balls Posted February 16, 2014 Share Posted February 16, 2014 (edited) P.S. I had problems with AXA when some dick crashed into me. I was the one who ended up kicking off with Norwich Union (the other person's insurance), not them. Lazy fuckers. Edited February 16, 2014 by no balls Quote Link to comment Share on other sites More sharing options...
little whitt Posted February 16, 2014 Share Posted February 16, 2014 i cant see where the shop is in the wrong JSL throw her down the stairs Quote Link to comment Share on other sites More sharing options...
Breightmet Boy Posted February 17, 2014 Share Posted February 17, 2014 I suppose it's just like when I had my bang In my car, I had to give the repairers the £500 access. I must admit, I'd feel a bit cheeky asking for the cash, but like Traf says, go get your dough Quote Link to comment Share on other sites More sharing options...
Ani Posted February 17, 2014 Share Posted February 17, 2014 Missus works for our insurance co and police advised to go to salon insurer given CCTV evidence, but never caught him. Just don't get why we chase the excess and what happens if he refuses to pay or doesn't pay. She's never come across this before. I agree. Have worked I insurance for 20 plus years. The insurance contract us between shop and insurance company, you are a third party. Who submitted the claim you or the shop ? Did you sign anything that implied you would have to chase excess ? The insurance company have paid the right amount out but think they should recover excess from policy holder. When you have a car crash and are not to blame you pay the excess up front and this is recovered from the other party and you get it back, Quote Link to comment Share on other sites More sharing options...
Site Supporter only1swanny Posted February 17, 2014 Site Supporter Share Posted February 17, 2014 Why is the shop owner footing it at all? Genuinely curious. Hairdressers. If coat has been hung up in a secure area whilst she's having her hair cut. . Hence why s lot of shops having disclaimers up saying 'accept no responsibility for theft or loss of personal items' generally see them on car parks on way in. Quote Link to comment Share on other sites More sharing options...
Moderators Casino Posted February 17, 2014 Moderators Share Posted February 17, 2014 in safety law, businesses have a responsibility for 'visitors' be they welcome or not its why a burglar falling through your roof leaves the owner of the premises liable dunno if its the same with robbery but if it is, signs saying its nowt to do with us aren't worth a toss Quote Link to comment Share on other sites More sharing options...
Thorpey Posted February 17, 2014 Author Share Posted February 17, 2014 (edited) I agree. Have worked I insurance for 20 plus years. The insurance contract us between shop and insurance company, you are a third party. Who submitted the claim you or the shop ? Did you sign anything that implied you would have to chase excess ? The insurance company have paid the right amount out but think they should recover excess from policy holder. When you have a car crash and are not to blame you pay the excess up front and this is recovered from the other party and you get it back, Missus submitted claim against his insurance and didn't sign anything to say she had to chase the excess. Agreed AXA have paid out their bit and just thought they should recover excess and pay that too. Edited February 17, 2014 by Thorpey Quote Link to comment Share on other sites More sharing options...
C86 Posted February 17, 2014 Share Posted February 17, 2014 Missus submitted claim against his insurance and didn't sign anything to say she had to chase the excess. Agreed AXA have paid out their bit and just thought they should recover excess and pay that too. I'd have thought this too. Tell AXA to cough up and let them chase the excess! Quote Link to comment Share on other sites More sharing options...
Ani Posted February 17, 2014 Share Posted February 17, 2014 Missus submitted claim against his insurance and didn't sign anything to say she had to chase the excess. Agreed AXA have paid out their bit and just thought they should recover excess and pay that too. I would tell axa that the contract of insurance is between them and the shop, you are expecting axa to pay you out the full amount and then they can collect the excess. Quote Link to comment Share on other sites More sharing options...
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