Insurance add on services - who to sue?

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    Insurance add on services - who to sue?

    This one is mostly a matter of principle/irritation.

    Purchased property/contents insurance branded and arranged through the financial services arm of fairly large UK department store (JL).

    Insurance came with optional add-on emergency cover (plumbing, wasp nests etc) for which I paid to JL as part of the premium.
    It was sold as "emergency cover" not "cover via a specific named third party company Y. It just happened to use Y in this policy year - in previous years other providers have been used.
    The addendum makes various promises.

    I had a need to claim under this policy addendum.

    Y failed to arrive for 9 days whilst promising they would arrive each day x 9.
    Secondary damage resulted.
    When they eventually came they caused further damage and failed to do anything like an acceptable job leaving me to sort it out myself which I should have done in the first place (exact details not relevant here).

    I want my premium back and to recover my losses (maybe £300).

    JL says I need to go through the complaints procedure of Y.
    They say if I sue anyone it will be action taken against Y.
    They also say I must go to the Ombudsman.

    But I paid my premium to JL. And I don't want to go to the ombudsman (recent precedent case saying that this burns bridges if want to take it to court afterwards, and lots of examples of obfuscation by ombudsman) - two weeks have passed with no response.

    I'm wanting to go straight to a Moneyclaim online - but who do I sue?

    Hmm if I paid money to JL for a service , I would sue JL and let them take it up with Y.
    Letter before action should sort em out.


      I start with an email, calm and polite, querying their actions..

      It's free and quick....
      I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...


        Originally posted by theartfullodger View Post
        I start with an email, calm and polite, querying their actions..

        It's free and quick....
        Free, but not the quick. You get an auto-response saying something like that they aim to deal with all complaints within 8 weeks but this might take a lot longer (CV blamed as usual) and then you have the right to refer to the ombudsman. So you then have to decide if it is worth starting a small claim based on an auto-response where I am told that they are not my target litigee. It's a new world - the race to the bottom. Corporations who couldn't give a stuff about retaining your business or their reputation, or about listening to feedback to figure out why they are going bust.

        One of the advantages of going with these all in one brand name firms is that I can cancel my car insurance policy, my dog insurance policy, all my other household policies and my shopping, broadband, and my credit card.


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