Home Money Our cenor was shattered in the storm, can I claim it even though it is not listed on the cover of my house? Dean Dunham responds

Our cenor was shattered in the storm, can I claim it even though it is not listed on the cover of my house? Dean Dunham responds

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The reader's insurance company refuses to pay after its garden cenor was destroyed in Storm Eowyn (file image)

Our garden gazebo was shattered in Storm Eowyn: it does not appear in our domestic insurance. Is there any way to claim it?

He, by email.

Dean Dunham replies: Whether or not you can claim for the roundabout depends on what is indicated in your policy.

Most standard home insurance includes coverage for garden items, but details vary.

Your home insurance policy will generally be divided into “buildings” and “insurance content”.

With most suppliers, the buildings cover includes damage to garden walls, doors and fences, impulses and trails, national units such as a shed and garages, swimming pools and tennis courts, septic tanks and central heating oil, or Gas, tanks.

The reader’s insurance company refuses to pay after its garden cenor was destroyed in Storm Eowyn (file image)

All of these are part of the structure of their property and, therefore, covered by the insurance of its building.

In general, it will be secured by loss or damage as a result of fire leaks, water or oil, theft, storm or flood (apart from the loss or damage to the doors or fences caused by storm or flood), sinking, impact and vandalism .

With content insurance, most suppliers will cover it for items in their garden, including grass cuts, bicycles, gardening tools that include electric tools, exterior toys for children, garden furniture, barbecues and patio heater.

Because the dinner is not specifically listed, it does not necessarily mean that it is not covered by its policy and depends on how the terms of the insurance policy are written.

You must ask your supplier if you will be covered and if you do not say not to ask why and in what part of the terms of the policy is based on this regard.

If you do not accept the company’s response, you can submit a claim with the service of the Financial People’s defender (Financial-Empudsman.org.uk).

Luck of marijuana with saucepan return

I bought a set of pan online and one is damaged. I want to keep two and send the broken back, but the company says I have to return all three. What are my rights?

Jn, by email.

Dean Dunham replies: When the goods turn out to be defective, the Consumer Rights Law provides the client for a remedy. In this regard, its basic right is in section 23, which establishes that you have the right to free repair or replacement.

There are some points to consider this. First, if it is impossible or financially disproportionate for the retailer to provide replacement or replacement, you do not have to do it. Instead, you can simply provide reimbursement or offer a price reduction.

Secondly, when the retailer agrees to provide repair or replacement, it must do so within a reasonable time and without significant inconveniences for the consumer. It must also support the necessary costs incurred in doing so, including in particular the cost of any labor, material or frank.

However, there is another part of the Consumer Rights Law that further complicates things when buying goods that make up a set.

Section 21 establishes that if the goods form a ‘commercial unit’ that basically means that the articles are part of a set, the consumer cannot reject some of those goods without also rejecting the rest.

Then, with the pans, if they were really part of a set, which means that the retailer only sells them together and not individually or that they were packaged in a brand box, unfortunately for you, the retailer in your case will have the right to stipulate which must return the three pans.

If this is the case, your rights will be to receive a complete refund for the set, to replace the set ‘as for’ or could request a price reduction to take into account the damaged saucepan if you cannot provide a replacement.

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