On the night between January 21 and 22, a fierce thunder-storm struck the area where I live, destroying most of the electronic equipment.

I lost three TV sets, a VCR, a DVD and the charger of my chair lift. These six items had cost me exactly €1,165. The original receipts are still in my possession.

The tower of my computer, which is still under guarantee, was also damaged. Though this guarantee does/did not cover it against such incidents, SCAN, generously decided to repair it for free. For this, I thank them.

Since I was advised to back up all my documents lest they could be lost, I paid €35 to an individual who backed up all my documents.

As I am insured with Argus, the following Monday I visited their branch, a couple of minutes from where I live, and told them what had happened. They asked me to make my claim in writing and I did exactly that.

For several days, I was in contact with them asking and answering questions, giving details, delivering photocopies of all my receipts and also reports submitted by technicians. Then, when these ceremonies were over, I had frequent discussions with one of their representatives.

To cut a long story short, this clerk asked me if I would be satisfied with €400. I need not say what my answer was and so he suggested I go to the head office at Ta’ Xbiex and meet some higher official.

When I went there, I was met by a female official who tried to be rather helpful. But it was more or less a repeat performance of what had happened in Mosta. Some 40 minutes of calculations, percentages, questions and answers, ifs and buts, depreciations, prices then and prices now… and a final offer of €500.

I had no option but to accept the offer. I spent these €500 on two TV sets and a new charger for my chairlift. This means I had insured three TV sets, a VCR, a DVD player and a charger without which the €9,000-stairlift would be useless.

Now, thanks to Argus insurance, I have only two TV sets, no VCR and no DVD. Is it worth insuring your property? If other insurance companies are like that, it certainly is not.


Comments not loading?

We recommend using Google Chrome or Mozilla Firefox.

Comments powered by Disqus