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