Except they have offered to pay out, up to the agreed value.
ParcelMonkey did it again, lost laptop worth 370 pounds!
- Thread starter stkrup
- Start date
Except they have offered to pay out, up to the agreed value.
Yes but how can you explain that you are still able to pay insurance for the items which are apparently on Prohibited & No-Compensation Items in the first place. Is this right? There should be a system preventing this but there isn't.
Anyway this is not fair, this is a cowboy style company.
They must be liable for the contract which is obviously was completed. If there is a maximum liability 1000 pounds so why should not go for full value of my lost item? If I did not pay anything would I accept 20 pounds as a basic cover? No
Yes, you should. If you agreed for £20 cover, then that's what you should get.
I agree, they shouldn't accept money for things that can't be insured, but they're offering to pay out. I don't see how, in this case, they're doing anything wrong
That doesn't excuse their negligence or stop the OP from claiming the amount he is out of pocket. The policy was mis-sold under their own T & C's.
If it's on the prohibited list then it's in dodgy ground to sell it, however they have honoured your claim despite this and agreed to pay out, arguably going beyond what their own terms and conditions oblige them to do as a goodwill gesture.
If they had refused to pay out at all on the grounds the item was prohibited then you would have a case IMO. However this isn't the case, they've happily agreed to pay out in accordance with the cover you purchased.
The £1000 is presumably a maximum liability regardless of cover type - if you had chosen to not pay anything and £20 is the stated level of basic cover then yes, you should accept that.
In this case, PM seem to be doing everything they are required to do under their contract with the OP.
Simply because they want to avoid paying extra, I just checked my previous shipments and my 3 TV were insured up to 400 pounds and 2 laptops up to 300 pounds, that's mean I paid my insurance for nothing
They've met the terms of the contract that was agreed to by going over and beyond what their own T&Cs oblige them to do.
The policy was mis sold and their own terms state they would not honour such a policy, however in this instance they have clearly waived such a term and chosen to honour the policy.
It is nobodies problem but the OPs if the policy he chose was the incorrect policy for his requirements.
Yes, although if they got lost, you'd have a case to still claim compensation, just not for damage.
It's true that selecting the incorrect amount works against the OP - he'd need to prove that he selected £500 as he claimed in his OP but their T&Cs are a joke.
Interestingly, their prohibited list doesn't exclude personal computers, computers or PCs, just notebooks or laptops.
Given the OP described his item to them simply as 'comp' then arguably, they didn't even have reason to suspect they would be mis-selling the insurance.
Given the OP described his item to them simply as 'comp' then arguably, they didn't even have reason to suspect they would be mis-selling the insurance.
£8 was a shipping cost so it is nothing extra just to clarify.
But does include monitors which a laptop has. Its the likelyhood of a damaged screen.
to be specific it is desktop replacement 18.4'' screen so this is not really notebook not really desktop computer, large mix between
Soldato
- Joined
- 10 May 2004
- Posts
- 13,073
- Location
- Sunny Stafford
It's easy - both DHL and Citylink are guilty of stealing, in my 7 years of being a tech. Usually done by temps in the depot because they can get away with it. What they do is slit the parcel along the bottom, remove the laptop then re-seal. From the top, the box still shows as sealed as originally sealed except that it is much lighter now. Cue disgruntled supplier or customer at receiving end.
It's still a laptop tbh
Still, no proof this is what happened.