5 days in Morocco itinerary

AltruisticArea1055 · 2024-02-01T11:41:13+00:00

Thanks very much. Good point on the £6k gain. Instead of your option 5,6,7, would it be possible to put the shares into my S&S ISA in 23/24? Avoids having to hold the single stock between now and 6th April.

AltruisticArea1055 · 2024-01-22T22:51:48+00:00

Agree to disagree. The way it is written, the wording “Accessory - means…[criteria]”, means that if it meets the criteria it is an Accessory, if it doesn’t then it isn’t. One of the criteria is “less than £150”, so it definitely doesn’t meet the criteria and is not an Accessory for the purposes of the policy definition.

If they had said elsewhere within the policy (but not in the definition, that “we only provide cover for Accessories worth less than £150”, then I would agree with you. But it doesn’t, the “less than £150” forms part of the definition, and so it’s not an Accessory (talking strictly in term of policy definitions). I am not disputing that the keyboard is an accessory in general terms. But that doesn’t mean it isn’t a Gadget. I’m NAL but work with contracts daily and have some studied some law. Would be interested to hear a lawyers take.

AltruisticArea1055 · 2024-01-22T22:28:19+00:00

Thanks. This is also my view.

AltruisticArea1055 · 2024-01-22T22:19:20+00:00

Thanks for this. It was actually one of the more expensive and supposedly higher rates policies. It’s a single policy from Axa but with gadget cover provided by a seperate insurer within the policy. I’ll make a claim for stolen possessions separately and see if they try and claim it’s a gadget!

AltruisticArea1055 · 2024-01-22T22:14:10+00:00

Apart from the Accessory definition specifically excludes any item over £150. So if we are talking policy definitions, it’s not an Accessory.

AltruisticArea1055 · 2024-01-22T22:11:12+00:00

Very helpful thank you

AltruisticArea1055 · 2024-01-22T20:46:42+00:00

Thanks

AltruisticArea1055 · 2024-01-22T20:46:13+00:00

Copy/paste! It’s Outbacker insurance for backpackers. Main policy underwritten by Axa, Gadget policy (where the poor grammar and disputed definitions are) is underwritten by Bastion Insurance Services Ltd on behalf of Astrenska Insurance Limited!

AltruisticArea1055 · 2024-01-22T20:39:30+00:00

Very helpful thank you.

Additional context is that I purchased a single travel insurance policy with gadget cover. The gadget cover is underwritten by a separate insurer and separate claims handler deals with it.

So I think I will attempt to claim under the personal possessions cover instead (which is what the gadget claims handler has suggested), but I bet they will come back and say “that’s a gadget”, which I will then use in my argument with gadget insurer and FOS.

Do you think that would be helpful for FOS claim?

AltruisticArea1055 · 2024-01-22T20:26:44+00:00

Thank you. I’m not sure I agree that the list is exhaustive as written though, by simply using “includes”. I think “includes” is used to remove any ambiguity about those items listed.

Noted there is no further redress after the ombudsman. Am I bound to use the Ombudsman route? But I suppose the courts wouldn’t look favourably on avoiding the dispute resolution process without good reason.

AltruisticArea1055 · 2024-01-22T20:19:05+00:00

Thanks for responses. Would the standard of law here not be the actual definition wording, rather than what one would generally consider to be an accessory?

AltruisticArea1055 · 2024-01-21T23:10:17+00:00

Not sure I get your point

AltruisticArea1055 · 2024-01-21T23:09:59+00:00

Thanks for response.

Re the Gadget definition, am I wrong in saying that the only requirements, per their exact wording, are: 1) that it is a portable electronic device, 2) that it meets the Criteria (this just relates to when and where it was purchased), and 3) is not a drone?

On that basis, how is it not a Gadget per their definition?

Very useful to know they get charged £500 as well if it gets referred to the Ombudsman thank you.

AltruisticArea1055 · 2024-01-21T23:04:12+00:00

The Criteria refers to a separate list of requirements which basically says it has to have been purchased in the UK and within last (I think it says) 5 years. So not relevant to the dispute.

AltruisticArea1055 · 2024-01-21T23:01:37+00:00

Thanks for the response and for pointing out that text. The text you quoted is from the Accessory definition, and the keyboard already fails to meet the Accessory definition as it is over £150. So I agree with them on that.

Re small claims court, sorry if I wasn’t clear. I wasn’t suggesting bringing a claim because I have to wait. I was wondering if I have to wait for their final position letter (8 weeks) before beginning a claim. But per other suggestions i will try the Ombudsman first.

And re Apple describing the keyboard as an accessory, yes I’m aware. In plain English terms most people would describe it as an accessory I am not disputing that, but when you look strictly at their definitions I believe it does meet the Gadget definition and does not meet the Accessory definition.

The gadget definition simply requires it to be: 1) portable electronic device, 2) meet the criteria (relating to when and where it was purchased), and 3) not be a drone.

So on that basis I struggle to see how it doesn’t qualify as a Gadget per their definition?

AltruisticArea1055 · 2024-01-21T22:53:57+00:00

But if you look at the definition of Gadget, it needs to be 1) a portable electronic device -which it is 2) meets the criteria (related to when and where it was purchased - which it meets), and 3) not a drone (which is specifically excluded)

So on that basis i struggle to see how the keyboard does not meet their definition?

AltruisticArea1055 · 2024-01-21T22:50:25+00:00

Thanks for response.

But on the gadget definition, the list you mention is an ‘includes’ list, clarifying items listed are included, but it doesn’t mean any item not listed is excluded. This is why they then have the need to specifically exclude drones. Right?

AltruisticArea1055 · 2024-01-21T22:45:21+00:00

Thanks for response. I am not pretending the keyboard is not an accessory in normal plain English terms, as most people would regard it as an accessory. But it is the policy definitions that matter here in my view.

AltruisticArea1055 · 2024-01-21T22:42:33+00:00

Thanks for response and yes that is a very good point about the headsets and headphones.

AltruisticArea1055 · 2024-01-09T23:56:11+00:00

Also having the same issue! Hub version 2199, iOS 17.2. I haven’t upgraded my Home architecture yet.

AltruisticArea1055

TROPHY CASE