HELP - Need insurance claim advice following scuba incident

[tursiops]

Before she goes off an initiates a 3rd-pary dispute, she need sto find out if the "instructor" is actually an SSI instructor. SSI can tell her. If he is not an instructor, then she was not diving with an instructor and her insurance does not cover her.

 

[lowwall]

Once you provided the insurer with the information required by the policy, which appears to be the name of the instructor and shop, it should be their problem, not yours.

I don't know how these things work in the UK, but there does appear to be formal process you can follow for insurance disputes over amounts less than £150,000 which won't require you to pay out for a lawyer.

Making a complaint | | ABI

If you're unhappy about the way your claim has been handled or the way your insurer has treated you, you have the right to complain.

www.abi.org.uk

I edited my comment to include the link about the Financial Ombudsman Service. I wanted to make sure you saw it. Here's a direct link: Financial Ombudsman Service: our homepage

Again, I don't know how this works in practice. In the US once a business becomes aware that a customer is willing to go to a regulator, things have a way of getting resolved if the complaint looks even remotely justifiable.

 

[MountainGirl1980]

Before she goes off an initiates a 3rd-pary dispute, she need sto find out if the "instructor" is actually an SSI instructor. SSI can tell her. If he is not an instructor, then she was not diving with an instructor and her insurance does not cover her.

He isn't and SSI have sent a stern email asking for all reference to SSI to be removed from his website.

 

[tursiops]

.

 

[tursiops]

He isn't and SSI have sent a stern email asking for all reference to SSI to be removed from his website.

OK. Any other information you want to dole out, a little bit at a time?

 

[lowwall]

If he is not an instructor, then she was not diving with an instructor and her insurance does not cover her.

Perhaps. But determining this would require knowledge of the exact wording of the contract and a deep understanding of applicable common law, statutory law and relevant regulations.

 

[MountainGirl1980]

I edited my comment to include the link about the Financial Ombudsman Service. I wanted to make sure you saw it. Here's a direct link: Financial Ombudsman Service: our homepage

Again, I don't know how this works in practice. In the US once a business becomes aware that a customer is willing to go to a regulator, things have a way of getting resolved if the complaint looks even remotely justifiable.

Thank you!

I edited my comment to include the link about the Financial Ombudsman Service. I wanted to make sure you saw it. Here's a direct link: Financial Ombudsman Service: our homepage

Again, I don't know how this works in practice. In the US once a business becomes aware that a customer is willing to go to a regulator, things have a way of getting resolved if the complaint looks even remotely justifiable.

OK. Any other information you want to dole out, a little bit at a time?

Thanks for that, that information was new, the email had only just come through. I thought this might be a helpful forum but clearly just full of clever people

 

[tursiops]

Perhaps. But determining this would require knowledge of the exact wording of the contract and a deep understanding of applicable common law, statutory law and relevant regulations.

In post #3 she said:

My insurance policy is with Axa and I am covered under an instructor led dive up to 15m.

 

[Allen-1]

Thank you!



Thanks for that, that information was new, the email had only just come through. I thought this might be a helpful forum but clearly just full of clever people

It's a forum on the internet. Lot of very smart, very helpful people here - and some not so. Parse through the responses, evaluate them, use what you can, ignore the others. Be careful in ignoring posts simply because you don't like the "tone", they may contain valid information.

 

[lowwall]

Perhaps. But determining this would require knowledge of the exact wording of the contract and a deep understanding of applicable common law, statutory law and relevant regulations.

In post #3 she said:

My insurance policy is with Axa and I am covered under an instructor led dive up to 15m.

Are you playing some sort of rhetorical game?

Or can you really not tell the difference between a non-lawyers's shorthand summary of a contract provision and a fully informed legal opinion?

@MountainGirl1980 , as a scubaboard contributors, I'd like to apologize on behalf of many of my fellows for tursiops' responses on this thread. He delights on pointing out the errors of others. In his defense, he's mostly correct and there's often value in the points he highlights. However, I do not believe that is the case here.