LloydsTSB Contents Insurance Claim - Have to dance to Currys?

My daughter is insured with LloydsTSB has just now made a contents insurance claim for some audio equipment. They've passed the claim to another company who sent her a voucher to replace the items at insist she pays the lb50.00 excess by card before she can use the voucher.

Is this normal please?
It can be the case with some insurers that you are required to remuneration the excess first, it is not unusual. However although I have heard of a voucher mortal issued before, in my experience it is not adjectives place. Were you to pay the excess then I've without a doubt that you would then be unable to dispute issue of the voucher. My proposal is that if you dispute being issued with a voucher - influence so. Refuse to pay the excess until you have assurances you will receive a brass settlement if that's what you require. If you are refused a cash settlement later pursue it as a complaint - it will cost far more in time (and money should it go as far as FSA) to maintain the principle of issuing you with a voucher, than to just issue you beside a cash settlement. Basically I am unsure whether you have to adopt a voucher so I would proceed on the basis that you don't until you discover that you do.

Answers:    Most insurers and/or loss adjusters own discount agreements with retailers so the amount they will actually pay cheque to the retailer is less than the high street retail price. The excess would necessitate to be paid first so that when she gets the replacement produce the full amount has been compensated.

A cash settlement can sometimes be negotiated if the claimant insists but it will be smaller quantity than the full value of the goods as it will be set to the discounted amount the insurer would have had to take-home pay if its chosen provider had been used.

So yes, it's typical.
I share your distaste for Curry's, however I would influence that if they carry suitable replacement items for those you are claiming for, the insurance co has met it's obligation.

I agree they almost certainly have a operation with Curry's and get a discount on the voucher, I guess Curry's are zealous because they are guaranteed a sale and will probably try to sell you something more expensive whilst you are here. 'well for only 100 quid more...etc etc'

Paying the excess yourself is a new one on me and not one I'm delighted to hear of either. I assume they've given you a full value voucher so you run out up the same, but still. Again they haven't done anything wrong by doing it this way, but I approaching you dislike the practice.

You can complain and will 'probably' get a cash settlement, please do NOT adopt a lower amount. The insurer has an obligation to replace the items any contract they have with a supplier is their business.

To be honest I reckon if you moan long and loud satisfactory you'll get what you want. The real interview though is, do you want the hassle or can you suffer Curry's this once just to get it over and done next to.

You have my sympathy and best wishes either road !!
Quoted from Ray's post "You can complain and will 'probably' get a brass settlement, please do NOT accept a lower amount. The insurer has an responsibility to replace the items any deal they have near a supplier is their business."

I'm afraid that is incorrect. If a policyholder chooses to accept a currency settlement instead of a replacement from an approved supplier, the insurer will only be required to pay to the policyholder the amount which they would hold paid the approved supplier, ie the discounted sum.

So I think it is best to adopt the Curry's voucher unless there's something you really don't like about them.