Other Decision Reference 2023-0163

• Case Outcome: Rejected
• Subject Matter: Other
• Reference: 2023-0163
• Date: 11 August 2023
• Finantial Sector: Insurance
• Conducts Complained Of: Rejection of claim - reasonable care/security of vehicle

Decision Ref:

2023-0163

Sector:

Insurance

Product / Service:

Other

Conduct(s) complained of:

Rejection of claim - reasonable care/security of

vehicle

Outcome:

Rejected

LEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN

This complaint relates to the repudiation of the Complainant’s claim under an insurance

policy held with the Provider.

The Complainant’s Case

This complaint relates to the decision of the Provider to decline the Complainant’s claim

for damage to his mobile home, caused by burst water pipes in early 2018. The

Complainant submits that at the time of the incident, his relative, who was occupying the

mobile home, was away on a business trip.

The Complainant explains that the water had to be kept on during the period when the

property was not occupied, so that there was a continuous supply of water for the

Complainant’s horses. The Complainant further submits that the structure was not vacant

for more than seven days, and he says that the water system stopcock, was not interfered

with.

The Complainant submits that although there had been a weather warning around the

time of the incident that led to the claim, the weather conditions had been poor, but not

severe and there had been no significant drop in temperature or any sign that it would

snow.