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    broken £1700 tv :(

    So my lovely 2 year old daughter has just broken the screen on my 3 week old SONY KD65XD8599BU
    Im after some advice from people who have had similar issues or maybe even a tv engineer your advice??
    I spoke with sony and they said that accidental damage will void the warranty HOW IS THIS FAIR? they even recommended a sony repair specialist but said the warranty would still be void.
    My home insurance has said they will cover the repairs (up to £1k ) but the excess is £250.
    Am i better off paying to have it repaired and sold or sell as it is broken???
    ANY advice would be great and i read over the somy warranty t&c's but cant see anything that says accidental damage will void my warranty (6 year warranty down the drain apparently)

    53 Comments

    Yes just claim on insurance cheapest way won't get much as broken

    why would you think sony would cover accidental damage, of course it is fair. This is what insurance is for, £250 to get it fixed could be worse.

    check your rights first as looks like you are being fobbed off by Sony. Insurance may be cheap but
    you will pay with higher premiums for the coming years.. So go through the terms and conditions properly or
    get professional advice. Maybe Citizens Advice as well. Good luck.

    I can't see a product warranty ever covering accidental damage, normally they are to cover product failure not accidents

    Original Poster

    chezzy

    why would you think sony would cover accidental damage, of course it is … why would you think sony would cover accidental damage, of course it is fair. This is what insurance is for, £250 to get it fixed could be worse.



    No no no....confusion here.
    I understood the warranty with sony WOULD not cover accidental damage im not disputing that...what i was saying was if its repaired at a sony credited repair centre why should the warranty be void

    plymouthphil1961

    I can't see a product warranty ever covering accidental damage, normally … I can't see a product warranty ever covering accidental damage, normally they are to cover product failure not accidents



    ​Car airbag?

    fozed78

    ​Car airbag?


    Lol but if it does not go off in an accident it would be a product failure

    willyzippy89

    No no no....confusion here.I understood the warranty with sony WOULD not … No no no....confusion here.I understood the warranty with sony WOULD not cover accidental damage im not disputing that...what i was saying was if its repaired at a sony credited repair centre why should the warranty be void



    It's the same as water damage on phones... if the water indicator is triggered, it's not covered under warranty regardless of whether the issue was caused by water.

    I guess what they're saying is - obviously you severely damaged the product (dropped it, hit it, etc.) so in the future if something fails, how do we know that it's a true manufacturing defect and that your damage didn't cause/contribute to it in some way? Not saying it's fair, but if you contest it that is probably the argument they will make.

    Original Poster

    Ok so forget the warranty then,
    Would it be best to repair and sell
    Sell as is broken
    Or repair and keep with no warranty?
    Any one know a ball park figure for repairs???

    The excess on your house insurance is too high. There's no point having accidental damage cover if the excess is so high that it isn't worth claiming.

    First thing you should do is get that reduced come renewal

    Sorry to hear this op

    Muir

    It's the same as water damage on phones... if the water indicator is … It's the same as water damage on phones... if the water indicator is triggered, it's not covered under warranty regardless of whether the issue was caused by water.I guess what they're saying is - obviously you severely damaged the product (dropped it, hit it, etc.) so in the future if something fails, how do we know that it's a true manufacturing defect and that your damage didn't cause/contribute to it in some way? Not saying it's fair, but if you contest it that is probably the argument they will make.



    ​My daughter dropped her phone in the bath when it was 1 month old. After a little research on the interweb, I found that if your water indicators have turned red, just touch them with a cotton bud and a tiny amount of bleach. they turn instantly white again and warranty is once again covered!

    willyzippy89

    Ok so forget the warranty then, Would it be best to repair and sell Sell … Ok so forget the warranty then, Would it be best to repair and sell Sell as is broken Or repair and keep with no warranty? Any one know a ball park figure for repairs???



    You'd really need to know how much the repair will cost first. Because you said your insurance will only cover to £1,000. I think you'll be surprised at the cost. If the repair is sub £1,000 then you would probably best to pay the £250 excess and get it repaired.

    If you only end up paying £250 for a repair I think that you'd be VERY lucky!

    My son throwed a metal car at the screen when he was younger.The screen was pierced, so was not repairable. Happened 2 weeks after they bought it. Luckily we had accidental cover on the insurance with £50 excess. At the time we paid £1400 for the TV with a 5 year Warrantee, but ended up claiming on house insurance as warrantee was invalid as doesn't cover accidental damage. Insurance company replaced the TV with a new one within a few week, but did not replace the existing extended warrantee. Best thing to do is find if the TV can be repaired get it done at a Approved Sony outlet. TV should still be covered, if you have any further problems with it and the fault is not related to the damage, then I can not see why this is not covered in future.
    Edited by: "Dundawala" 16th Aug 2016

    Original Poster

    MR1123

    Sorry to hear this op



    The endless joys of children but thank you at the end of the day its a material possession....its just im not richie rich and have £1.7k to throw away "/

    Original Poster

    joshp

    You'd really need to know how much the repair will cost first. Because … You'd really need to know how much the repair will cost first. Because you said your insurance will only cover to £1,000. I think you'll be surprised at the cost. If the repair is sub £1,000 then you would probably best to pay the £250 excess and get it repaired. If you only end up paying £250 for a repair I think that you'd be VERY lucky!



    Oh definitely, my guess is around the 800 mark for the repairs

    Original Poster

    Dundawala

    My son throwed a metal car at the screen when he was younger.The screen … My son throwed a metal car at the screen when he was younger.The screen was pierced, so was not repairable. Happened 2 weeks after they bought it. Luckily we had accidental cover on the insurance with £50 excess. At the time we paid £1400 for the TV with a 5 year Warrantee, but ended up claiming on house insurance as warrantee was invalid as doesn't cover accidental damage. Insurance company replaced the TV with a new one within a few week, but did not replace the existing extended warrantee. Best thing to do is find if the TV can be repaired get it done at a Approved Sony outlet. TV should still be covered, if you have any further problems with it and the fault is not related to the damage, then I can not see why this is not covered in future.



    What i didn't get was that they said on the phone only up to £1k but they also said (which this part didnt make sense if they said the 1k part) if the screen/tv isnt fixable then they will replace it with a new one OR cash value to the same amount if they cant get one....
    im 100% new to insurance claims and have never had to do one before so they said that it will put my premiums up on renewal??? That bit i didn't understand does it mean they charge me more monthly and i HAVE to accept it? Im only asking because it sounds like you made a similar claim.
    And re the part you said about getting it repaired at sony outlet, thats what ive done i got in contact with them and waiting to hear back but they said the standard warranty of 6 years is void even done by official repairs or not, i kind of understand why as some one said earlier on this post how do they know the other parts havent been affected but then its being done by a sony credited repair shop so why?? "/
    I can take the damage on the screen to be honest i was so relieved it was covered on the insurance it was like a "phew" moment but then when sony said warranty is void i felt worse than when i saw the screen "/

    willyzippy89

    The endless joys of children but thank you at the end of the day its a … The endless joys of children but thank you at the end of the day its a material possession....its just im not richie rich and have £1.7k to throw away "/



    'I'm not Richie rich and have £1.7k to throw away' - most people spend under £400 on a tv so that's a contradiction in itself!!!! ;-)
    It's an unlucky situation really. Personally, I'd swallow the £250 excess and get it repaired. But this would need to be done by someone chosen by the insurance company. Maybe you'll get lucky and they will replace and you'll get a new warranty. The insurance premium shouldn't go up too much if this is your only claim.
    I did a similar thing when I got a new phone. Damaged it within a couple of weeks. Unfortunately it happens so I wouldn't get too hung up on it.

    Original Poster

    ktm666

    'I'm not Richie rich and have £1.7k to throw away' - most people spend … 'I'm not Richie rich and have £1.7k to throw away' - most people spend under £400 on a tv so that's a contradiction in itself!!!! ;-)It's an unlucky situation really. Personally, I'd swallow the £250 excess and get it repaired. But this would need to be done by someone chosen by the insurance company. Maybe you'll get lucky and they will replace and you'll get a new warranty. The insurance premium shouldn't go up too much if this is your only claim. I did a similar thing when I got a new phone. Damaged it within a couple of weeks. Unfortunately it happens so I wouldn't get too hung up on it.



    I saved up 2 years and put my old tvs money towards it wasn't like spare cash lol
    Yeah fingers crossed, it is my only claim and whats an insurance premium is that whats just offered by my insurance company or would that be across all the insurers?
    Thanks

    willyzippy89

    What i didn't get was that they said on the phone only up to £1k but they … What i didn't get was that they said on the phone only up to £1k but they also said (which this part didnt make sense if they said the 1k part) if the screen/tv isnt fixable then they will replace it with a new one OR cash value to the same amount if they cant get one.... im 100% new to insurance claims and have never had to do one before so they said that it will put my premiums up on renewal??? That bit i didn't understand does it mean they charge me more monthly and i HAVE to accept it? Im only asking because it sounds like you made a similar claim. And re the part you said about getting it repaired at sony outlet, thats what ive done i got in contact with them and waiting to hear back but they said the standard warranty of 6 years is void even done by official repairs or not, i kind of understand why as some one said earlier on this post how do they know the other parts havent been affected but then its being done by a sony credited repair shop so why?? "/ I can take the damage on the screen to be honest i was so relieved it was covered on the insurance it was like a "phew" moment but then when sony said warranty is void i felt worse than when i saw the screen "/



    Chances are, they will repair up to £1k. Above this they will replace. Every insurance company will have this, as they will replace it the repair cost exceeds a percentage of the value - uneconomical repair. But you need to clarify this. You don't want to have to pay the first £250 and then the last £250 if the repair bill is £1250.
    No - your premium will go up at the end of the 12 months, when you are due to renew your policy. You will have to declare the claim to any new company.
    Once the TV is opened up, the warranty is void. It doesn't matter who does it.

    just to make you feel slightly better..I just reversed my brand new Seat Alhambra into my tree....

    Original Poster

    afnoor

    just to make you feel slightly better..I just reversed my brand new Seat … just to make you feel slightly better..I just reversed my brand new Seat Alhambra into my tree....



    Oh maaaaaaaaaaaaan i think we should go for a lottery syndicate with the bad luck karma has to be around some where? Haha ^_^

    repair and keep. you don't tend to get much money when you sell second hand things. definately won't get very much if you sell in a broken state as the buyer can't be certain that it can be repaired satisfactorily.

    When you buy home insurance or extended warranty you have a choice . High excess equals lower premiums but as previously stated it makes it uneconomical to claim accidental damage on many occasions if you opted for a high excess (to lower the premium ).

    I would never buy an extortianate warranty with a product (preferring to self insure) although I do buy from John Lewis to take advantage of their price match and extended warranty . It all comes down to choice in the end .

    Original Poster

    ktm666

    Chances are, they will repair up to £1k. Above this they will replace. … Chances are, they will repair up to £1k. Above this they will replace. Every insurance company will have this, as they will replace it the repair cost exceeds a percentage of the value - uneconomical repair. But you need to clarify this. You don't want to have to pay the first £250 and then the last £250 if the repair bill is £1250.No - your premium will go up at the end of the 12 months, when you are due to renew your policy. You will have to declare the claim to any new company.Once the TV is opened up, the warranty is void. It doesn't matter who does it.



    Ahhhhhhhhh right got ya and im guessing not saying about the claim would be fraud?
    I was thinking about it and IF i had another problem with the tv (ie non accidental and more mechanical) the same insurance would cover that again?
    And makes sense about a uneconomical repair

    SUPER THANKS for your help

    willyzippy89

    Ahhhhhhhhh right got ya and im guessing not saying about the claim would … Ahhhhhhhhh right got ya and im guessing not saying about the claim would be fraud? I was thinking about it and IF i had another problem with the tv (ie non accidental and more mechanical) the same insurance would cover that again? And makes sense about a uneconomical repair SUPER THANKS for your help



    Yeah, if you don't declare it, it's fraud. Chances are they will know anyway, insurance companies have databases concerning claims, and the last thing you'd want if for your house to burn down and an insurance company to refuse to pay out based on that!
    That would depend on your cover. If you only have accidental damage, no. As a component failure wouldn't come under accidental damage... Unless after seeing the fault you then pushed your TV over....!
    If you have some other form of cover, like gadget insurance, it should be.

    Did you pay any or all of it on a credit card? There is a small chance you may have cover from your CC provider.

    Why would you be covered for accidental damage by your credit card company?

    paul123edwards

    Did you pay any or all of it on a credit card? There is a small chance … Did you pay any or all of it on a credit card? There is a small chance you may have cover from your CC provider.


    Original Poster

    paul123edwards

    Did you pay any or all of it on a credit card? There is a small chance … Did you pay any or all of it on a credit card? There is a small chance you may have cover from your CC provider.



    Yeah i did pay it on my credit card but i immediately paid it off...... i didnt know that was a thing??? "/

    Whether you paid it off immediately or not doesn't affect your protection under Section 75 of The Consumer Credit Act. I just don't believe you are covered for accidental damage.

    willyzippy89

    Yeah i did pay it on my credit card but i immediately paid it off...... i … Yeah i did pay it on my credit card but i immediately paid it off...... i didnt know that was a thing??? "/


    willyzippy89

    Oh definitely, my guess is around the 800 mark for the repairs



    I think that's optimistic if it is the entire screen needing to be replaced. However that is merely an opinion.

    Anyhow I think you know what to do now, get back on the phone to the insurance company to clarify.

    afnoor

    just to make you feel slightly better..I just reversed my brand new Seat … just to make you feel slightly better..I just reversed my brand new Seat Alhambra into my tree....



    ​tell me about it...10 days ago my husband drove the passenger side into a bollard .. not having a good summer...and we couldn't even afford a vacation this year... or last year...

    You've got to get an estimate before you can decide what to do. It's all down to how much a sreen costs. Hope you haven't nailed the kid to the naughty stair. X)

    plymouthphil1961

    I can't see a product warranty ever covering accidental damage, normally … I can't see a product warranty ever covering accidental damage, normally they are to cover product failure not accidents


    Just bought a Samsung washer/dryer with free 5 year warranty on parts and labour AND accidental damage.

    DistortedVision

    Whether you paid it off immediately or not doesn't affect your protection … Whether you paid it off immediately or not doesn't affect your protection under Section 75 of The Consumer Credit Act. I just don't believe you are covered for accidental damage.



    I believe some credit cards offer accidental damage insurance/extended warranties as a perk, similar to how some will give you free travel insurance if you use them to pay for your holiday - nothing to do with your legal rights.

    adamsedge

    Yes just claim on insurance cheapest way won't get much as broken



    be aware that insurance may rise substantially following such a big claim.
    In my experience I only had to enquire about replacing a tablet for the next annual house insurance premium to rise BY THE EXACT AMOUNT of the estimated cost of replacing said tablet - even though I didnt proceed with the claim !! Needless to say I moved to another insurer. bloody cheek, lol.

    Dundawala

    My son throwed a metal car at the screen when he was younger.The screen … My son throwed a metal car at the screen when he was younger.The screen was pierced, so was not repairable. Happened 2 weeks after they bought it. Luckily we had accidental cover on the insurance with £50 excess. At the time we paid £1400 for the TV with a 5 year Warrantee, but ended up claiming on house insurance as warrantee was invalid as doesn't cover accidental damage. Insurance company replaced the TV with a new one within a few week, but did not replace the existing extended warrantee. Best thing to do is find if the TV can be repaired get it done at a Approved Sony outlet. TV should still be covered, if you have any further problems with it and the fault is not related to the damage, then I can not see why this is not covered in future.


    Did you cash in the extended warranty ?

    antomac1001

    In my experience I only had to enquire about replacing a tablet for the … In my experience I only had to enquire about replacing a tablet for the next annual house insurance premium to rise BY THE EXACT AMOUNT of the estimated cost of replacing said tablet - even though I didnt proceed with the claim !! Needless to say I moved to another insurer. bloody cheek, lol.


    Yup, they spoke about that on BBC Watchdog a few years ago. The mere enquiry about a possible claim means that statistically you are now a higher risk for the insurer - hence the increase.

    Definitely check with the card provider to see if the card used gives some sort of accidental damage cover for the first 30 - 60days.
    Edited by: "SUMMONER" 16th Aug 2016

    SUMMONER

    Yup, they spoke about that on BBC Watchdog a few years ago. The mere … Yup, they spoke about that on BBC Watchdog a few years ago. The mere enquiry about a possible claim means that statistically you are now a higher risk for the insurer, hence the increase.



    - wow - thanks for explaining it, makes sense I 'spose.
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