Camer

[henry1938]

i made a claim on my house insurance for a damaged camera
got in contact with agent
offered me a camera
camera arrived parts missing
sent it because they did not have a replacement
camera worth about 140 pounds
my damaged digital which i sent them for inspection
cost me 645 pounds about 6 years ago
not a fair exchange
your opinions please

[mikey4444]

Henry...did you have "new for old" cover on your camera ?

[henry1938]

yes i do have new for old

[ummmm]

Then dispute it. Be firm and put your foot down.

[mikey4444]

Then you shouldn't have accepted this inferior camera, faulty of not. You may have compromised your further options by so doing.

[jno]

you may need to compare the cameras themselves rather than the prices. Prices come down; new features are added. Does the new one do what the old one did?

[henry1938]

i could not try the new one because it had no battery
as i said i had to send it back parts missing
thanks

[mikey4444]

Henry....I presume that this new replacement camera was brand and "boxed"....so its odd that it had parts missing....let us know how you get on with your claim

[woofgang]

so two issues here.......camera needed to be sent back to supplier because parts missing.....yes you should have been sent a camera with all its parts.
Issue two is, as jno says, digital camera prices have whistled down. The price of the digital camera that cost me blood to buy 6 years ago, would now buy one half the size with twice the features. New for old is about function, not about price so (when it has all its bits) it may well be a fair settlement.

[henry1938]

phoned agent again
to cancel claim
i said i wanted old camera back
theysaid you cannot have the 45 pounds premium back and the old camera
i said the premium relates to the new camera not the old one
what do you think
should i get the old camera back
i might take it some where for maybe repair
ta

[Old_Geezer]

I think you'd have been better posting in the law forum.
I'm wondering if you have a small claim against them.

[henry1938]

thank u al
i will let u know the results

[HansUrbancka]

Are you unable to deal direct with your Insurance Company rather than through an Agent. I would be making the point that you Must be put back into the same position as you enjoyed before the camera was damaged.

Incidentally, you Do Not have to accept any replacement Camera but are entitled to a cash payment to cover the cost of rectifying all damage which has been sustained and spend the cash settlement whichever way you like.

Hans.

[woofgang]

Hans, that depends on the terms of the policy.

[HansUrbancka]

@woofgang........ I believe the Financial Service Ombudsman has at sometime ruled that Insurers must have available provisions for a cash settlement, if a suitable replacement is Not available for a damaged item, or the item cannot be repaired to its original condition. Hence the reason for my earlier remarks, because Henry appears to be in such a position.

Hans.

[woofgang]

Surely a camera of similar quality which has the same functions is a suitable replacement hans?

[HansUrbancka]

You are right woofgang...... a camera of similar quality which has the same functions is a suitable replacement.

I am assuming (perhaps wrongly) that Henry is being offered something inferior to what he had originally.

Hans.

[woofgang]

Hans, its my understanding that the OP thinks the camera is inferior because it cost less than his original did. My (and others) contention is that in like for like circs, even new for old, the cost of the camera is not relevant, only the function and quality.

[HansUrbancka]

As you say woofgang....."The cost of the camera is not relevant, only the function and quality".

Looks as if we shall have to wait and see how Henry gets on with his Insurance claim.

Incidentally, I don't understand why Henry would want back the old camera if he is able to have a new one.

Hans.

[henry1938]

ta for all the info
i do not like the camera they sent me
it seemed very fragile to me
they would send me a cheap model would
they not
i will let u know the result

[HansUrbancka]

It is my opinion that you should Not accept anything that is inferior to what you had originally.

It would be interesting to know what make and model camera you had and what was sent to you as a replacement. Also what parts were missing on the 'new' item. I feel sure that such information would be useful for respondents in this thread to offer further advice to you on the issues concerned.

Hans.