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When I was in St Louis last month, I lost my camera. Churchill insurance have just declined my claim on the grounds that I didn't get a police report. I did try to explain to them that the St Louis police wouldn't have been remotely interested in me leaving a camera in a taxi, but it seems they can put whatever unfair conditions they like in their policies to avoid having to pay out on legitimate claims.

I promised them as much adverse publicity as possible, so if anyone feels like spreading the word, I'd be grateful. It's no wonder the insurance industry has such a poor reputation.

They won't give you diddley squat without a police report - it was a pain in the arse at the time, but I got one in Macau when my wallet was nicked. I should get the cash back and a few extras, but UK insurers are all pretty much the same, there is so much Insurance fraud now, that us honest folk have to pay the price. 

They are a pain in the arse. Recently, my other half changed her house insurance. It's her house, her mortgage, she pays the utility bills and council tax. I contribute of course, I'm on the electoral role there, but do not have any of those bills in my name or pay any of her bills directly.

Whilst she was on the phone changing this insurance, she was asked if anyone else lives in the house and she gave them my name. Fair enough.

However, what made me really mad was the question 'have I ever been refused insurance!' WTF has that got to do with anything? I don't pay the bill, it's not my insurance policy or house. And no, I have never been refused.

Why on earth do they need to know this? Whenever I check into a hotel, I'm never asked 'have I been refused insurance', as it might affect the hotel's cover? Not that I treat home like a hotel mind before anyone asks...I just don't get why they need to know this and what it has to do with anything!

That's disgusting. I mean what Is a foreign Police report worth anyway? Any one can file a wrongful report with the Police! I've taken many In my time that I knew were untrue or hugely exaggerated! Just an excuse to not pay out. So sorry to hear that Nick!

xh

This how an insurance company works and well know this and hate this.

The mantra of an insurance company is, "More profit comes from less claim payouts".

Insurance rat bastards  >

Nick, was your claim on a travel insurance policy?

If yes, you might fair better by approaching your home insurers (that's if your cover extends to the all risks section which covers items while they're away from your home).

Just a thought.