I review the current position. There's no word from the Financial Services Ombudsman yet. Its been two weeks since I sent them the paperwork and all I have had is a letter acknowledging receipt of my complaint. I still haven't heard anything from Aviva, Asprea or Safeguard. Are they hoping I have just fallen off the face of the earth or something?
Out of interest I do a bit more checking on policy documents on line for different insurers to see what their position is with matching items cover. Churchill and More Than don't appear to exclude it at all on buildings cover but they do on contents. Direct Line don't appear to exclude it at all on either Buildings or Contents. Saga exclude matching items for both but their wording is such that it appears to only relate to things like sanitary wear and soft furnishings- the sort of the thing you would expect a clause of this nature to relate to - not tiles on the wall that are nothing more than an alternative wall covering.
It strikes me as I look through all these policy documents just how much we are not covered for! We buy insurance for peace of mind. We know we won't be covered for every single eventuality that life might throw at us, but in the event of serious damage we think we will be ok. Not so! Get your policy booklets out and have a proper read of the small print!! Its disgraceful really. They advertise insurance on the basis of selling us peace of mind but there are a whole heap of exclusions in these policies that have the potential to give people some very nasty shocks.
I check the Barclays(Aviva) policy - its been made even clearer since I last looked at it. Compare here my copy, a copy I got from the website in early January and the copy I got today. The difference is surely an admittance that historically the situation has not been at all clear.
My copy
copy from January
Copy from today
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