Does house insurance cover Broken TV?

14 replies
Found 30th Nov 2010
So little one threw a big battery at the TV. Its a 42" lcd.
The a Tv turns on but only 10% of screen is visible.
The warranty has gone.


What should I do?

Thanks.

14 Comments

read your terms? lol

Should cover anything on the accidental dammage,i claimed on my tv when stand broke and fell,they covered me buying another with same spec !! Hope this helps

have you tried throwing the telly at the little one?

my did when i dropped mine but it depends on your terms as mine had accidental damage lol

If you have accidental damage cover on your contents policy then it shoudl be covered. You need to read your policy document

Won't be worth the excess/loss of no claims discount/having to tell them of a claim/price of the accidental damage cover in the first place. Unless it was full hd with freeview hd and freesat hd with a pvr in 3d.

Won't be worth the excess/loss of no claims discount/having to tell them … Won't be worth the excess/loss of no claims discount/having to tell them of a claim/price of the accidental damage cover in the first place. Unless it was full hd with freeview hd and freesat hd with a pvr in 3d.


depends on cover, they may replace old for new, send out a cheque less excess or repair it.
i claimed on a 32" widescreen crt 2 years ago and they directed me to a website with a price limit to spend, so i just paid the extra and upgraded to a 42" lcd
OP just be prepared for a long conversation on the phone explaining what happened.

*edit. if you claim your house insurance may increase but not by the amount a new tv will cost
Edited by: "boabbyrab" 30th Nov 2010

boabbyrab

depends on cover, they may replace old for new, send out a cheque less … depends on cover, they may replace old for new, send out a cheque less excess or repair it.i claimed on a 32" widescreen crt 2 years ago and they directed me to a website with a price limit to spend, so i just paid the extra and upgraded to a 42" lcd OP just be prepared for a long conversation on the phone explaining what happened.*edit. if you claim your house insurance may increase but not by the amount a new tv will cost



I bet the cost of claiming, excess and increases in premiums (not just next year but for the next 5 years) will be more than the cost of a replacement telly. You can get a decent 42" for £400.

How much is your excess OP? And if you do a quote on a comparison site, how much more will you be paying each year as a result of making a claim?

Check your cover.

Different insurers cover accidental damage to various extents. For example, accidental damage to TV's, computers, stereos etc is actually covered on some insurers standard cover policies.

If you get a cheapy quote for cover off the comparison sites, some don't cover acc.damage to TV's - if you have young kiddies and think you may need this, it's always worth paying a bit extra for a policy with a lower excess and better cover just in case.

Believe me, contrary to very popular belief, with home insurance, what you pay for is whatyou get in terms of quality of the policy and service. It is one of the areas in finance where cheapest is definitely not always best.

Banned

CBA to reads all the messages but I know Lloyds cover it.

Banned

speedy1477

CBA to reads all the messages but I know Lloyds cover it.


helpful - NOT!

and wrong lol

Original Poster

I did not know House insurance increases after a claim
If thats the case. I may aswell not do it?
Also the insurance is with Kwick-Fit

xMuneeb

I did not know House insurance increases after a claimIf thats the case. … I did not know House insurance increases after a claimIf thats the case. I may aswell not do it?Also the insurance is with Kwick-Fit



I'd be very suprised if any insurance didn't increase after a claim??!?!

Benjimoron

I bet the cost of claiming, excess and increases in premiums (not just … I bet the cost of claiming, excess and increases in premiums (not just next year but for the next 5 years) will be more than the cost of a replacement telly. You can get a decent 42" for £400. How much is your excess OP? And if you do a quote on a comparison site, how much more will you be paying each year as a result of making a claim?



Do this OP ^^.
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