OP – what was the loophole that stopped them paying out?
I keep my bike in an outbuilding – esure said that total payout for outbuildings content is £1500, even if I had a 3k “specified item” of a bike on the policy. If the bike was locked to a lamp post on the street, then I would get the 3k, but not if it was locked in the outbuilding.
Another company said I would get the 3k, but only if the bike was locked in the outbuilding.
I finally insured with Shielas wheels, who told me that the “specified item” bike would be paid out if it was in the outbuilding, on top of the £1500 normal outbuildings amount.
Guess who backs up the Sheila’s wheels policies? Esure! So contradiction in policies, or just under trained call centre staff? You can’t work it out from the small print either…..