How to make a claim and what to do if you claim is rejected
Step one
First of all you need to know how to make claim and what to do.
Your extended warranty contract should contain full details of the
claim procedure. Examine the small print to ensure that your
problem is covered as there may be exclusion clauses listing types
of problems and faults that your policy does not cover.
Step two
If you think that the problem is covered, follow the claims
procedure (which will probably involve filling in a form with
details of your claim).
Step three
If the company rejects your claim, write again asking them to
explain why (if they haven't explained already).
In your letter clearly explain about your initial claim, again
detailing the fault, and that the claim was rejected then include
the following:
"Having studied my contract I believe that the following
clause clearly shows that I am entitled to repair or replacement
for this item (Insert relevant clause)/ there are
no clauses in the contract that exclude this problem
(delete as appropriate).
The warranty is a legally binding contract and as such you
are bound by the terms and conditions and the obligations on you in
that contract.
Please contact me within seven days either:
- To arrange repair or replacement of this item. Or
- To issue your final response so that I may refer this
matter to the Financial Ombudsman Service/small claims
court."
Step four
If the company has still yet to resolve your claim at this stage
you can escalate your dispute further.
If your extended warranty is an insurance-backed one, it will be
regulated by the Financial Services Authority (FSA). This means
that you can take your disputed claim to The Financial Ombudsman
Service (FOS) .Your extended warranty documents should explain how
to do this, but you can also get details from the FOS website.
(In many cases, the FOS takes the view that sales of extended
warranties did not comply with the Association of British Insurers'
Code or General Insurance Standards Council code, because
insufficient steps have been taken to draw the policyholder's
attention to the important features of the policy.)
If your extended warranty is not insurance-backed, you can take
the supplier to the small claims court for breach of contract. See
our guide on taking disputes to the small
claims court for more information.
How to cancel an extended
warranty
Claims Financial
Testimonial
"I just had to put pen to paper and write to say I'm more than delighted with my settlement that you won me back from my PPI I had with Lloyds TSB. The Claim Forms were simple to fill in. It was a breeze"
Mr R Evans 11 Nov 2010