Vouchers as insurance pay-outs

Carefully check the terms and conditions of your insurance policy.

If your policy states that your insurer uses a 'preferred supplier' then this could mean you'll be issued with vouchers. If you're unsure, check with your insurer directly.

If your policy doesn’t say the insurance company can provide vouchers, then you can insist on either a cash payment or replacement items - whichever your policy says the insurer will provide.

Pay-out must be ‘like for like’

If the insurance policy allows the insurance company to settle a claim in vouchers, then they should be vouchers that enable you to replace your item ‘like for like’.

So, if you've had a piece of antique jewellery stolen, you shouldn't be given vouchers for a high street chain that only sells modern items.

In the same way, if you had a particular make of bicycle stolen, the vouchers should enable you to replace this with the same bike from that manufacturer.

After all, if your car was written off you wouldn’t expect your insurer to try to replace it with a different make and model.

If you don’t think the vouchers will allow you to replace items, then tell your insurer. You can do some research as well, particularly when it comes to unusual or rare items. Get quotes or proof and pass it to your insurer.

Insurance voucher checklist

  • Always check the terms and conditions written on the voucher, including the expiry date.
  • If you’ve been given your vouchers as part of an insurance pay-out, check if your policy says you should receive vouchers or not.
  • Pay-out must mean your replacement item is ‘like for like’.
  • If your insurer hasn't acted as they should, see our guide to complain about your insurance provider.

Voucher expiry dates

Expiry dates are allowed so long as you're made aware of this at the time of purchase. Always check the terms written on the voucher (or the packaging around it).

If the terms were not prominently bought to your attention - for example, hidden on the reverse side of the card or voucher and this couldn’t have been seen because the card was stuck down or enclosed in packaging -  you can argue that the terms are contrary to the requirements of good faith and you're not bound to the expiry date.

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