Contesting a rejected theft claim

[Pie-Roe]

Hey, just a quick one.
Lad has just started at my work, has his sx50 stolen a month ago and is insured with MCE.
He was staying at a friends house, where it was stolen from overnight. MCE say because he wasn't at his usual address it's not covered, but surely it's under sdp usage? They are refusing to entertain the claim at all.

Anyone shed any light on where to proceed?
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[covent.gardens]

Isn't it a standard procedure, of putting the complaint in writing to them, requesting their final decision (letting them know you will be taking it to the Ombudsman if they reject the claim) - and then, if they do, taking in to the insurance ombudsman for their decision?

[arry]

Any significant exclusion like that would need to be made clear and plain at the outset.

What do the docs say?

What is their official repudiation rationale? Have they specified the policy exclusion or endorsement wording they are relying on?

If you give me the details I'll look at it for you

[Dave70]

Sorry I can't be of much help but, that sounds ridiculous grounds on which to reject a claim.

They're basically saying that you have to return home at night time with your bike otherwise your insurance is void? I'd like to see where the lads policy states this. We'd have been screwed if our bikes got stolen on the Wales camping trip then. Seems like utter nonsense to me.

Sounds like he needs to get onto the insurance regulator/ombudsman or whatever they're called. I'd be surprised if he didn't win.
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There ain't no devil, there's just god when he's drunk.

2012: R125 killed by white van. 2016 R125 killed by 30,000 miles of redline. Current: 2016 Kawasaki ER6f.

[arry]

[Pie-Roe]

I havent got the full details of his policy, but will get them. I checked my own tpft docs and there's nothing about it. It does seem ridiculous, and he seems to have just accepted it. Was worth about 2k he said, so definately worth pursuing.
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[G]

[Nexus Icon]

Mine has to be garaged overnight if it's within a mile of my home. Could it be something similar to that?
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Greetings from Shitsville!

[J4mes]

Mine has to be garaged if within half a mile of my house, and even then if not its just that the theft excess doubles, they don't chuck it out all together.

[Dave70]

[G]

While, again, MCE seem to be a load of shisters - I can see the reasoning for this sort of things - for a start, it stops high risk people insuring the bike for a 'safe' postcode in a sleep home-counties postcode, but actually living in a scummy London urban area.

[iooi]