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Jersey Consumer Council

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Insurances a Necessary Part of Modern Living?

November 13, 2015 Insurances No Comments
insurance

Insurances a necessary part of modern living?
Insurances – where are you buying yours?

We pay annual premiums to cover our homes, holidays, health and cars to name but a few. At the time of renewal we understand that some islanders are buying polices from UK based insurance companies.

We have done a small piece of research to determine whether Jersey residents who take out either household or motor insurance policies with UK-based insurance providers are disadvantaged in any way by onerous claims procedures, which do not necessarily apply to policies from Jersey, based insurance companies.

What we would like to know is what really happens when you need to claim on your UK insurance policy ..please tell us your experiences call the
Consumer Council
tel: 611161
email: jcc@jerseyconsumercouncil.org.je

Household Insurance

For household policies of Jersey properties, the insurance companies we contacted stated that the same conditions apply as UK based households. In the event of claims that require tradesmen to undertake repairs, householders may appoint their own tradesmen or the insurance company will find a contractor on their behalf.

Motor Insurance

Repairs and recovery
If accident takes place in the UK According to the 3 companies the car would normally be repatriated if the client requested this. If not, the normal procedure would be to have it repaired locally. The only occasion when they would not repatriate a vehicle is when it is immediately obvious that the vehicle is written off and therefore it is not economically viable to return it to Jersey.

Health Insurance

Health care treatment in Jersey One company said normal policy is that all health care is undertaken by UK providers as they do not have any approved health care providers based in either Jersey or Guernsey. They did indicate that if a client insisted that any health treatment be provided in Jersey, then they would consider approving 1 or more such providers on a case-by-case basis.


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