Insurance Company won't cover claim!
A client put a claim in for personal injury as the result of claiming to be burn't after a hot stone massage.
After 13 months, the insurance company have told the claimants solicitor (not me) that they are not covering the claim as hot stone is not covered by the policy.
Although I am disputing this I need to know what to do short-term as the solicitors are asking us to respond admitting/denying liability, make an offer or get legal advice???
Oh, that's awful! It's things like this that you're a member of a professional organisation for - contact CThA direct, they should be able to advise you. Didn't they set up a legal helpline? I'm sure I saw it in one of the magazines a while ago, can anyone remember?
Sorry not to be more help, but definitely contact CThA about this, and good luck!
What a horrid position to be in. The insurance certificate should be clear - mine says hot stone on it. The usual position with insurance (say motor insurance) is that you aren't allowed to admit liability. I don't understand why you are talking directly to the claimant's solicitor - bit risky? All contact should surely be through your insurance company and/or solicitor. I also agree about getting legal helpline assistance. Are you insured through CThA?
Just to confirm, although we are now insured with the Holistic Insurance Service, this claim relates to insurance through Groupama (NEVER USE!) and was taken out through a broker
Hmmmm. Either hot stone was on your old policy or it wasn't? Definitely get initial advice from legal helpline.
I would hope the legal helpline is for members of CThA, rather than just queries about Holistic Insurance Services claims, and they'll help you even though it's a claim on another insurance. If they say, however, that they won't help, the CThA surely still would have to give you some advice, as you're one of their members, whoever the insurance is with. Just a thought.
Thanks for your reply, I am planning on calling the helpline on Tuesday
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Check your policy details. Perhaps call the insurance ombudsman.