FabSwingers.com forum: Home Insurance companies

By *ay4realstr8 OP TV/TS
over a year ago

hoyland

Ok ok so a serious question now please, Iv just got if the phone with my home insurance company about my tv not working appears to look like the screen is internally smashed but I PERSONALLY haven’t done this.... and I was honest and said how i didn’t know what happened and they have told me that it won’t be covered and fixed because it WASN'T.. yes I said WASN'T accidentally broken by me! Do I have a case to argue here? It’s so not fair that they can get out of things based on my terminology!

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By *oubledongWoman
over a year ago

Headington, Oxford

Honestly, don't bother. TVs are cheap, you will only end up paying for it on your next insurance when they put the premium up.

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By *ay4realstr8 OP TV/TS
over a year ago

hoyland

No there not tho I lost my job so finding £700 for a new tv against my £50 policy excess is my only way. And I WILL not be taking insurance with them again anyway, not now.

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By (user no longer on site)
over a year ago

Try the manufacturer instead, especially if it's still under their warranty.

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By (user no longer on site)
over a year ago

I am NOT an insurance sales person or advisor, but, my step son is, and basically said this to me a few months ago, when we had a similar problem

Unfortunately, probably sod all you can do.

Personally, I would have put the vacuum cleaner tube through it, and sent them a pic, saying I tripped whilst cleaning.

That way, 'accidental' cover is invoked.

It may mean an increased premium next year, and an 'excess', but, unless you can afford to replace the unit, best way forward, in my humble opinion.

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By *oubledongWoman
over a year ago

Headington, Oxford

But if you take, ANY insurance you will have to declare the claim, making the premium more expensive.

Well if you have to have a £700 TV instead of a normal one then time to get another job.

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By *ay4realstr8 OP TV/TS
over a year ago

hoyland

"I am NOT an insurance sales person or advisor, but, my step son is, and basically said this to me a few months ago, when we had a similar problem

Unfortunately, probably sod all you can do.

Personally, I would have put the vacuum cleaner tube through it, and sent them a pic, saying I tripped whilst cleaning.

That way, 'accidental' cover is invoked.

It may mean an increased premium next year, and an 'excess', but, unless you can afford to replace the unit, best way forward, in my humble opinion.

EXACTLY! they seem more interested if I’d have personally purposely broken it as supposed to just “not knowing” I told them “I don’t know what happened” how can they assume it is/is not accidental? It’s like me say such and such knocked it ALLEGEDLY..

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By *ed-monkeyCouple
over a year ago

Hailsham

I think now, you're screwed ... they already know it's broken and you have told them it wasn't accidental damage that you know of ... so they have the get out clause of electronic failure / wear and tear (yes really).

How old is TV? Your only possible recourse is the manufacturer, who sadly probably tell you that it could only have broken if it had been hit ... so either way you're pickled

Your only possible course is get a repairer to check it and declare that it could only have happened through accidental damage and go back to the insurance company with this proof

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By *ay4realstr8 OP TV/TS
over a year ago

hoyland

"I think now, you're screwed ... they already know it's broken and you have told them it wasn't accidental damage that you know of ... so they have the get out clause of electronic failure / wear and tear (yes really).

How old is TV? Your only possible recourse is the manufacturer, who sadly probably tell you that it could only have broken if it had been hit ... so either way you're pickled

Your only possible course is get a repairer to check it and declare that it could only have happened through accidental damage and go back to the insurance company with this proof"

That’s EXACTLY what they said about wear and tear and not being liable even tho I said I have no idea how it broke, just that it wasn’t personally me... it could have been my family or friends who knows! I will call now and say that about a repair company. Thank you

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By (user no longer on site)
over a year ago

There lies another issue.

Accidental, or 'deliberately accidental'?

Especially if the unit is over a certain age.

The 'Tech Pack' insurance banks offer, is sometimes a con. Ours does not cover tablets, mobile phones, or smart watches if over two years old.

I guess it was an easy way for people to get the 'latest' models, cheap.

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By *ay4realstr8 OP TV/TS
over a year ago

hoyland

Well just an update - after a few highly strung phone calls they have agreed to send out a repair specialist to “asses” the tv damage and see if it was “accidental” if it is then the claim will be honoured ...

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