@Andy601960 firstly my condolences on your mum’s passing, secondly, i do take full responsibility for the crash and thirdly, If I was not covered why did they liaise with Heliguy and arrange collection of the drone from me only to knock me back if cover was not in place.
@anon73283520 i get what you’re saying, it was indeed a new policy not a renewal in the true meaning due to the time that had lapsed.
Yeah, I’d defo push them on this further, specially since they acknowledge some part of it and start the heliguy part off… That in itself it is acceptance of their insurance.
But, although it said pending, did it ever go through, if not, you should ask the CC provider and see whats on their transaction logs, and when it was declined or not accepted. - Id be really intrested in the time stamp on it, was it before or after your claim conversation with them ?
Well if they never actually took the payment and you got no concrete confirmation, that you were indeed covered, my guess is, whoever loaded with Heliguy, either they messed up royally or it was a newbie, who should never have progressed a claim, without confirming payment made and cover in place… Whatever the cock up was, as I said, I would have checked to make sure the funds went through and the cover was there, before making the claim. Confirmation, paperwork, I’s dotted and T’s crossed… Only then should you have put in your claim.
Had you got the conversation you had with then in a letter or email, you may have stood a chance, but unless you recoded the call, I don’t fancy your chances.of coming out on top, at least not this time.
A lesson for everyone me thinks. Don’t take someone’s word for anything… get it in writing or via email, to guarantee the insurance is in place, then they have no way out.
Yeah this might be the pitfall unfortunately. Without a policy document to show there’s not much you can rely on as evidence there was a valid insurance policy in place.
It’s not. It’s common for insurers to facilitate assets being moved to a repair provider separately from determining liability to pay for the damage, and the facilitation of the moving of the asset to a repairer can’t be taken as an acceptance of liability to cover the cost of the repair. The moment they realise there’s no policy document issued and the payment is still pending that’s their get out of jail free card - and to be honest given the circumstances you can understand why they would do that.
Ultimately the lesson here is: Never assume you are covered by insurance unless and until you are holding the insurance policy document and you have confirmed by reading it what it covers you for.
I have discovered to my alarm that I won’t get a new drone in replacement, just a payment to cover the purchase price, minus the excess. This will not be enough to replace with a new bird because, (a) they don’t make the M2Z and more and (b) at date of purchase the M2Z cost alot less than anything comparable DJI are selling at the moment.
Seems I have not been let down after all!
Further to discussions with Coverdrone they have agreed that I was indeed under cover at the time of my accident and are taking care of the repair bills.
All I need to do now is pay the premium…
So I was wrong when I suggested all insurers are bastards so, custard please on my Humble pie 
4 Likes
Good to hear it’s all worked out in the end. Just to re-iterate my word of advice for the future though. Always make sure you’ve seen the policy document in future so you know without doubt you’re covered. Makes it harder to pull a fast one on you.