This Insurance Company Has Come Up With The Most Amazing Theory To Avoid Paying Out

If you've ever tried to make a claim on your insurance, then you'll probably know that insurance firms absolutely fucking hate giving money away. It's fully expected that insurers will carefully check every available loophole to get out of coughing up the cash, but this firm is just taking the piss.

In 2011, Chris Robinson's luxury, multi-million dollar house burnt down. Luckily he and his wife were about 250 miles away, so neither of them were hurt. As well as losing his house, Robinson also lost his Mercedes E Class in the fire. Devastating.

Once he got over the initial shock, Robinson filed a claim with his insurance company IAG, to tell them he'd lost his home. IAG sent a fire investigator, Russell Joseph, to check for any signs of foul play. Fair enough, before handing over that amount of cash, I suppose.

So far this all sounds pretty boring, right? Well, wait until you read what Joseph claimed happened. I shit you not, this is the story he and IAG are sticking to. Ready?

According to Kiwi news site Stuff, Russell claims that Robinson, who was 250 miles away remember, remotely logged into a laptop which was back at his house. Once accessed, he sent something to printer, and as the paper pulled through the printer it pulled of a pretty fucking crazy series of events that would be bizarre, even for Home Alone.

Credit: 20th Century Fox

Joseph's theory is that the paper was taped to a piece of string, which was attached to a switch - so as that when the paper was pulled through the printer it pulled the string, which triggered the switch; the switch was part of a circuit, with a 12-volt battery and the type of heated element you'll find inside a toaster. The element was wrapped around a bunch of matches, so once it heated up they went up in flames. From there the fire would be able to spread quickly enough, thanks to a pile of 'additional flammable material' nearby and 'some sort of accelerant' which had been splashed about.

Now, if you're thinking 'bullshit', you're not alone. But to prove how easy it would be to carry out, Joseph filmed himself doing the same thing. Sadly, the insurers didn't release the tape. It probably looked something like this though...

via GIPHY

The insurers' fantastic version of events has been rejected by a court, but IAG is still refusing to pay out and is adamant that the fire was arson.

So, next time you're expected to pay a £50 access to get your phone screen fixed, spare a thought for Chris.

Featured image credit: Twitter

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Claire Reid

Claire is a journalist at LADbible who, after dossing around for a few years, went to Liverpool John Moores University. She graduated with a degree in Journalism and a whole load of debt. When not writing words in exchange for money she is usually at home watching serial killer documentaries surrounded by cats. You can contact Claire at [email protected]

@ClaireReid19