• the hole in the soleplate
    The Insurance Claim Timeline

    Finding the Hole: NFU Insurance Claim Timeline 1

    It’s time to tell the whole story from start to finish (if it ever does!). From the day I found the hole to now. I hope it will be a warning to others so that they don’t end up like me. I don’t really think I could have done anything differently, but then again, I was never in control. The problem was, that we put our trust in a very expensive insurance policy from what we thought was the best insurance company for a house like ours, and I felt safe. But over the last three years, safe is something I have never felt. I have been threatened, bullied and…

  • Complaints,  The NFU Mutual

    Our Response to the Insulting Reply to Our Complaint

    You may have already read the complaint response from the Group Chief Executive and my reactions in my following post. This took me four days to write and I’m really happy with the result. I think it captures much of what the NFU Mutual tried to overlook or cover up in their reply to my complaint. It also addresses the fabrications they are still insisting are true so that they can reduce the amount they pay us. So, here it is. You may want to go and get a cuppa – it’s a long one: Dear Mr Sinclair We write in response to your letter dated 17 February 2021, in…

  • Complaints

    Apology and Compensation: What Would You Do?

    My experience over the last three and a quarter years has been devastating in so many ways. It has affected my family and me in every area of our lives. We've lost contact with the people in our village - well before coronavirus came along. I spend over an hour a day travelling to and from the rented accomodation so that I can work from the bottom of the garden. We're still living out of boxes. We have no sofa as it's still in the cottage living room and should have been put into storage. I'm always on edge wondering what they're going to demand or deny next. Every time…

  • Genuine Mistakes or Downright Dishonesty?

    ‘Who’s Who’ on NFU Mutual’s Website – Page 1

    This post carries on from my original post Ten Lies the NFU Mutual Told Us. We lodged a claim with the NFU Mutual in November 2017, following water damage after a flood. By November 2018, and frustrated after months of inspections, reports and waiting, we were no nearer to going home. It wasn’t until we lodged our second complaint that we found the ‘Claims Who’s Who Guide’ pdf download on NFU Mutual’s website. It states: We understand that the claims process can often appear daunting and confusing, with all the technical terminology, complicated processes and different people involved along the way. We have put this handy guide together to give…

  • The Cash Settlement

    Why a Cash Settlement Offer? Our Claim with NFU Mutual

    So, if you’ve been following me on social media, you’ll know that we’re negotiating with the NFU Mutual for a cash settlement. You’ll also know that after three years and three months through a claim, we’re no closer to going home. In fact, our cottage is in a worse state than ever, though NFU Mutual are denying that it is. We could have insisted that they carry out the repairs. We could have asked that we choose the builders to do the repairs and the NFU Mutual pay them. But when we were given the option of a cash settlement, this appeared to be the least stressful way to return…

  • Genuine Mistakes or Downright Dishonesty?

    Ten Lies The NFU Mutual Told Us

    When we started our claim way back in November 2017, I didn’t know how things worked. I believed that the NFU Mutual was the insurance company, the loss adjuster was the loss adjuster, the surveyor was the surveyor, and so on. So, when I approached the NFU Mutual about the actions of their surveyor and expected them to undertake an investigation into his conduct, it was a huge surprise that nothing happened. When I asked for the umpteenth time for him to be removed, they did nothing. It wasn’t until much later that I realised I was trying to separate something which was whole, it was inseparable. Everyone appointed by…

  • The Deteriorating Cottage
    The Cottage

    My Three Year Battle with NFU Mutual for a Little Suffolk Cottage

    Hello! My name is Kim, I’m a middle aged mother of two with a history degree and a love of nature, broken things and weird stuff. I live (or rather used to live) in a little cottage in a village in Suffolk. You know the sort I mean. A cosy little home with an open fire and an all round feeling of safety and comfort? My family (my husband, our oldest son and I) moved to Pendle Cottage in June 2014 from a busy nearby town. We wanted to get away from the hustle and bustle and start a new life in the country. And found a little picturesque thatched…