How do I explain this to the insurance company?

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30 Comments

Original Poster

Had a few drinks the other night and as putting the 360 controller back tripped over a kids toy and clipped the tv with it, never thought no more of it, no visible damage to the screen so no har done or so I thought, went to play on the 360 today and this is what I found

http://i155.photobucket.com/albums/s308/harlzter/DSCF1655.jpg

£900's worth of telly killed!

Dont really want to tell the insurance we (the royal we meaning I) had had a few too many as they may try to avoid settling, so what can I say? A simple trip sounds dodgy, on top of that I need to get it to an engineer to confirm its a write off, luckily home entertainment equipment is zero excess! Also need to spend time again trawling through reviews for a replacement worthy of it looking at downscaling from a 42" to either a 32" or 37" as the sofa is only about 7ft from the TV! Any ideas on a recommendation? This was a sharp aquos full hd box?

Just tell them the truth, you will get caught out otherwise. You should have no problem getting a differnt size tv with them. I work for an insurance company and once the claim is agreed they will normally just put you in touch with an electrical supplier such as empire direct.

Good luck

Woah!!

tripped over a toy, no need to mention booze and its not that unbelievable really.

Christ that's a ******

Just got a Panasonic TX-37LZD800 , it's the dog doodars!

Anyway i must just get another bottle of Spitfire before i put that Blade runner Blu ray on...... Ooooooopppssss

Blame it on the kids.
(Make sure you have the clause in your policy regarding accidental damage by the kids though).

ouch good luck x x

Do most insurance companies cover for accidental damage?

how about you mopped the floor and slipped on that with a toy, twist on the truth the drink im sure was wet like the floor would have been lol so not that much of a difference

id stick that toy where the sun dont shine. nasty!

tell them your were painting front room and hit it with the step ladders

tell em your kid rode into it with his scooter. it worked for my laptop screen

Faiza;3974083

Do most insurance companies cover for accidental damage?


i think you have to buy the accidental damage cover, or maybe i'm thinking of for buildings where they cover you for diy mishaps

Original Poster

lizzy.p;3974000

Just tell them the truth, you will get caught out otherwise. You should … Just tell them the truth, you will get caught out otherwise. You should have no problem getting a differnt size tv with them. I work for an insurance company and once the claim is agreed they will normally just put you in touch with an electrical supplier such as empire direct.Good luck



Size difference is no problem as our insurers are one of the few who pay cash rather than insist on product and on a new for old basis, they will be writing a clause int our next insurance excluding tellies at this rate as our only other claim was for a TV I dropped just after we moved into our last house 4 years ago!:x

Me + TV's = disaster waiting to happen!

how about saying you were having some late night 'fun' with the missus and got a bit carried away, bet they'd be too embarrassed to question that! ;-)

Banned

chrishill;3974023

tripped over a toy, no need to mention booze and its not that … tripped over a toy, no need to mention booze and its not that unbelievable really.


:thumbsup:

I have a laptop via comet and have accidental damage cover through them. Would that cover everything accidental? Or if something similar happened as OP?

Yes, just the truth, minus the drink, which probably had nothing to do with it anyway.:-D:whistling:

Tell them you were "experimenting" with high power sex toys and one just happened to shoot out and destroy your telly. No inspector or loss adjuster will touch your tv after that one, they'll just pay up

Tell them you've got a Wii not an xbox360 :thumbsup:

Faiza;3974083

Do most insurance companies cover for accidental damage?



Have to pay extra for accidental damage cover.

Original Poster

shibi din;3974321

Have to pay extra for accidental damage cover.



Ours is included as standard, as are bikes and even items out of the house such as phones, mp3 players, ipods, laptops etc etc upto £500 each and a total of £2000 for theft loss and accidental damage. With most policys they are extras although at £200 a year its not cheapest contents insurance about but pricing up whats included like for like the nearest was £350 odd.

Tell them the truth, just not quite all of it, don't mention the the babychams and you'll be fine.

castortroy;3974234

Tell them you were "experimenting" with high power sex toys and one just … Tell them you were "experimenting" with high power sex toys and one just happened to shoot out and destroy your telly. No inspector or loss adjuster will touch your tv after that one, they'll just pay up



LMAO :w00t:

SunTzu;3975299

LMAO :w00t:



thank you,, I aim to please

Global Warming.

Global Warming has lead to the unnatural emergance of "hard fly's".

These genetic abominations are house fly's that are granite hard as they have developed an exo-skeleton due to the climatic conditions.

Also because its hotter/colder, they fly faster?!?! Therefore making them bullet like while flying round.

Your TV was an unfortunate victim of circumstance created by our industrial society.









Or tell em you fell.

harlzter;3974675

Ours is included as standard, as are bikes and even items out of the … Ours is included as standard, as are bikes and even items out of the house such as phones, mp3 players, ipods, laptops etc etc upto £500 each and a total of £2000 for theft loss and accidental damage. With most policys they are extras although at £200 a year its not cheapest contents insurance about but pricing up whats included like for like the nearest was £350 odd.



Wow, who are you with? Might have to change my insurer later this year.

Banned

harlzter;3974675

Ours is included as standard, as are bikes and even items out of the … Ours is included as standard, as are bikes and even items out of the house such as phones, mp3 players, ipods, laptops etc etc upto £500 each and a total of £2000 for theft loss and accidental damage. With most policys they are extras although at £200 a year its not cheapest contents insurance about but pricing up whats included like for like the nearest was £350 odd.


who are you insured with as cover seems great?

Original Poster

Right sorted spoke to the insurance and we do need to pay an excess (all of £25!) what we need to do is get an engineers report to confirm its not cost effective to repair thats in progress (another £25 squids) and then submit 2 quotes for a replacement that is equivalent, now obviously that TV is no longer available due to how fast models get replaced, and now i'm stumped!

What TV is the current equivalent? Its a Sharp Aquos 42" full HD LCD TV that cost the best part of £1k just short of a year ago.
amazon.co.uk/Sha…0PW

Original Poster

Finally got the cheque from the insurance today £912 and a few pence, waiting for that to clear then looking for replacement, so anyone know of any good deals on 42" plasma's/lcd's? Looking to spend around £600 on a replacement.
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