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  • FIRST POST
    • davidxt
    • By davidxt 11th Jun 17, 1:45 PM
    • 1Posts
    • 0Thanks
    davidxt
    Oven door - contents or building?
    • #1
    • 11th Jun 17, 1:45 PM
    Oven door - contents or building? 11th Jun 17 at 1:45 PM
    I have accidentally damaged the outer glass of the door to my built-in oven. I have got accidental damage cover for contents but not for building. Does anyone know if a built-in oven counts as contents or building for insurance purposes?
Page 1
    • frugalmacdugal
    • By frugalmacdugal 11th Jun 17, 2:00 PM
    • 5,884 Posts
    • 5,085 Thanks
    frugalmacdugal
    • #2
    • 11th Jun 17, 2:00 PM
    • #2
    • 11th Jun 17, 2:00 PM
    Hi,

    think I read in a previous thread that if you could turn your house upside down and shake it, anything that falls out is contents.

    It may be 'built-in' but not with the bricks.
    Y'all take care now.
    • firefox1956
    • By firefox1956 11th Jun 17, 2:30 PM
    • 1,044 Posts
    • 572 Thanks
    firefox1956
    • #3
    • 11th Jun 17, 2:30 PM
    • #3
    • 11th Jun 17, 2:30 PM
    I would never claim on my insurance for a small item like this.
    Oven glass is fairly easy to replace yourself.
    Get on Youtube...........
    HTH
    • ACG
    • By ACG 11th Jun 17, 2:34 PM
    • 14,919 Posts
    • 7,508 Thanks
    ACG
    • #4
    • 11th Jun 17, 2:34 PM
    • #4
    • 11th Jun 17, 2:34 PM
    Are you sure its worth it after paying your excess?
    I have just looked on googlee and you can get them for around £120-150.
    I am a Mortgage Adviser
    You should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.
    • Blibble
    • By Blibble 11th Jun 17, 3:01 PM
    • 123 Posts
    • 56 Thanks
    Blibble
    • #5
    • 11th Jun 17, 3:01 PM
    • #5
    • 11th Jun 17, 3:01 PM
    Usually contents, although every insurer has a slightly different line drawn for where the cut off between the two is.

    How old is the oven? If new-for-old cover and over 3 years or so, the parts will be obsolete therefore likely beyond repair & will be replaced. This can be a bit of a faff.

    Also, what is the excess for accidental damage under your contents policy? If you're happy to source a spare yourself, probs £150 or so, it's normally more cost effective to do this when factoring in your renewal increase.
    • FutureGirl
    • By FutureGirl 11th Jun 17, 3:37 PM
    • 845 Posts
    • 338 Thanks
    FutureGirl
    • #6
    • 11th Jun 17, 3:37 PM
    • #6
    • 11th Jun 17, 3:37 PM
    If it's built in to the units, it's buildings.

    Like the turning house upside down analogy. If it moves when you turn your house upside down, it's a content (exception to this is carpets).

    If it was a free standing oven, it'd be a content.
    Capital One:£1,259.40/£1,300.00
    Aqua: £273.29/£300.00
    o2: £221.00 / £271.00
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