Tractor Decision Reference 2022-0281

• Case Outcome: Rejected
• Subject Matter: Tractor
• Reference: 2022-0281
• Date: 23 August 2022
• Finantial Sector: Insurance
• Conducts Complained Of: Claim handling delays or issues,Claim handling delays or issues, Delayed or inadequate communication, Failure to process instructions in a timely manner

Decision Ref:

2022-0281

Sector:

Insurance

Product / Service:

Tractor

Conduct(s) complained of:

Claim handling delays or issues

Claim handling delays or issues

Delayed or inadequate communication

Failure to process instructions in a timely manner

Outcome:

Rejected

LEGALLY BINDING DECISION OF THE FINANCIAL SERVICES AND PENSIONS OMBUDSMAN

This complaint concerns a tractor insurance policy.

The Complainant’s Case

The Complainant submits that his tractor was damaged in a fire on 21 June 2014 and that

he reported this to the Provider on 23 June 2014.

By way of letter dated 14 June 2017 the Complainant stated to the Provider that “on review,

[he gave] conflicting information regarding this tractor with that of another tractor that I

owned” and that this resulted in his accountant forwarding incorrect information to the

Provider.

The Complainant states that the tractor in question was purchased for £27,500, less a trade-

in allowance of £10,500, resulting in an overall payment of £17,000. The Complainant

apologises for the confusion caused but states that he has paid his insurance premium for

the tractor, he was the registered owner, and it went on fire through no fault of his own, so

he says that he is entitled for the claim on the policy, to be paid out to him.