LloydsTSB Contents Insurance Claim - Have to go to Currys?

Quoted from Ray's post "You can complain and will 'probably' get a cash settlement, please do NOT accept a lower amount. The insurer has an obligation to replace the items any deal they have with a supplier is their business." I'm afraid that is incorrect. If a policyholder chooses to accept a cash 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 have paid the approved supplier, ie the discounted sum. So I think it is best to accept the Curry's voucher unless there's something you really don't like about them.

I share your distaste for Curry's, however I would say that if they carry suitable replacement items for those you are claiming for, the insurance co has met it's obligations. I agree they almost certainly have a deal with Curry's and get a discount on the voucher, I guess Curry's are keen because they are guaranteed a sale and will probably try to sell you something more expensive whilst you are there.... 'well for only 100 quid more...etc etc' Paying the excess yourself is a new one on me and not one I'm happy to hear of either. I assume they've given you a full value voucher so you end up the same, but still. Again they haven't done anything wrong by doing it this way, but I like you dislike the practice. You can complain and will 'probably' get a cash settlement, please do NOT accept a lower amount. The insurer has an obligation to replace the items any deal they have with a supplier is their business. To be honest I reckon if you moan long and loud enough you'll get what you want. The real question though is, do you want the hassle or can you suffer Curry's this once just to get it over and done with. You have my sympathy and best wishes either way !!