Has anyone had an insurance company pay?

[Thirsty]

There is discussion on another thread where it was stated that it could be very hard to get an insurance company to pay out in the case of a claim.

 

I'm curious to know if anyone has had an accident/incident and had their claim paid without too much drama or on the other hand if you've been shafted on a technicality.

 

 

[ruffasguts]

There is discussion on another thread where it was stated that it could be very hard to get an insurance company to pay out in the case of a claim.I'm curious to know if anyone has had an accident/incident and had their claim paid without too much drama or on the other hand if you've been shafted on a technicality.

In many years of dealing with insurance repairs of aircraft both GA and Raaus I only know of one claim not paid . experience tells me that they will pay claims that I thought due to circumstances should not be paid . unfortunately we all pay increased premiums as a result

 

Mick W

 

 

[facthunter]

I have used Aviation Underwriters and An offshoot of QBE. I have never made a claim but I Know the first named above were just excellent. I went through a broker on the last one. I think in aviation that might be a good idea. Nev

 

 

[M61A1]

I had Chamberlain Knight pay out after a flying school wrote off my Drifter in 2000. It did take a few months though.

 

 

[storchy neil]

don't use [removed] as they pay out when the repair contract is between me and the repairer I refused to pay the repairer but he contacted my insurer [removed] and sighned some form and got paid by [removed] as to this day I cannot find out how he got paid

 

on a 24 registered plane the repairer did use parts he got from a bearing service place

 

did not have manifactures repair manual

 

did not have rotax installation manual

 

did not do weight and balance after repair but sighned out air craft as airworthy

 

with no flap indercator egt not working bent under carriage clover leaf hole in engine mount

 

leading edge of wing cracked wind screen cracked

 

mod to fuel system

 

as I had to sell this aircraft to finance court case the powers at casa don't want to know about it

 

biter you bet I am broke I am so as for safty the raa and casa are a joke along with insurance company

 

the bit about doing inspections of lame l4 l2 is complete waste of time covering each others axx

 

warning don't get your plane repaired at [removed] neil

 

Names removed - Mod xox

 

 

[Bruce Tuncks]

There was a case in the USA where this guy tried out a new carb on his engine but then took it off returning the aircraft to its original condition. Much later he had an accident which had nothing to do with the engine let alone the carb.

 

Well the insurance company refused to pay out, saying he had invalidated his certificate of airworthiness with the carb business. Then it went to court and an appeal, with the insurance company winning both times.

 

I hope we are better here in Australia, but the experience my daughter had with a household claim with the CGU was a bad one ( thanks to the ombudsman they finally paid ).

 

Back to aviation, I know that the club I belong to has not had trouble getting paid for claims. But it must be said that we have never had a big claim and I don't know of a year where the claims have exceeded the premiums.

 

Personally, I think a lot of people are not really covered but they are happy thinking they are.

 

In the meantime we can all benefit by sharing experiences.

 

regards, Bruce

 

 

[facthunter]

I have had some of the most unsatisfactory outcomes imaginable with insurance companies. They do get up to illegal tricks and cannot be trusted . TWO of the last ones I got involved with were large ostensibly trustworthy companies, of good repute There are structures for appeal in the game which you can work your way through ending up with the insurance Ombudsman. I have won ultimately with each but it is very stressful. I would NEVER do business with either of them ever again and verbally pass my experiences on to anyone interested. Currently there is a virtual monopoly in the insurance game with nearly all being owned by Suncorp. Shannon's is my current insurer and they assure me that although they are owned by the same , their business model is left up to them, as it works in the section of the market they specialise in. I am not aware if they do aircraft. Probably don't. Nev

 

 

[Guest Andys@coffs]

I remember getting burgled when my wife and I were going to her mothers funeral....... When the final settlement statement was sent out to us I picked up that a couple of items on the claim had been missed.....I assumed it was just a mistake and pointed it out.....The replacement statement had the items missed on it, but a couple of others that were on the original statement were now missing...they weren't items above or below the ones that had been missed so a statement of Insert turned off so overwritten couldn't be claimed....when the 3rd iteration also had items missing I just did my own with all items added, including one that was never on the claim (my idea of punishment!!) signed and sent that one in, and then kicked up when the settlement cheque didn't match the settlement statement.......Turns out that the renegade was the loss adjuster who wasn't an employee of the Company but an outsourced role....

 

In the end they paid what was in the statement because I had them send me a copy of the signed final document and there was no way out but the loss adjuster went ballistic at me over the phone.....I simply stated that if they were clearly being dishonest then I had to look to my own circumstances....... That was many years ago and was FAI (which I was told after the event was considered to be F&ck All insurance within the industry!)

 

Bottom line is, look after your own interests because you can be sure they wont be!

 

 

[pmccarthy]

The first ever life insurance policy was sold in England around 1850. It was a one year policy and the bloke died on the last day. The insurer then said a year should be defined as 52 weeks of 7 days, so the bloke had died after the policy expired.

 

 

[facthunter]

Rather week excuse. Nev