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  • FIRST POST
    • rainio
    • By rainio 6th Oct 17, 6:02 PM
    • 38Posts
    • 0Thanks
    rainio
    "Overall claim cost"
    • #1
    • 6th Oct 17, 6:02 PM
    "Overall claim cost" 6th Oct 17 at 6:02 PM
    Hello,
    I'm in the process of a claim with my insurance company regarding a broken electrical product (aprox £900). I have the option of claiming for another item that was also broken that has been repaired (aprox £300). The representative I'm dealing with said I may not want to claim for both want to keep "the overall calim cost down". I asked why and she said for my "claims history".

    Can anyone explain why this is?

    Thanks.
Page 1
    • Quentin
    • By Quentin 6th Oct 17, 6:42 PM
    • 34,592 Posts
    • 18,575 Thanks
    Quentin
    • #2
    • 6th Oct 17, 6:42 PM
    • #2
    • 6th Oct 17, 6:42 PM
    Is this all going to be a single claim?


    If so £1200 will not have any more impact on your future premiums than a £900 claim. (Assuming you are claiming off your home insurance)


    But if it will be 2 claims then before you decide do dummy quotes online with 1 and 2 claims to see what difference it makes to future premiums


    If these are warranty type claims off an electrical warranty/breakdown policy then claim away!
    • Blibble
    • By Blibble 6th Oct 17, 7:28 PM
    • 361 Posts
    • 503 Thanks
    Blibble
    • #3
    • 6th Oct 17, 7:28 PM
    • #3
    • 6th Oct 17, 7:28 PM
    £900 or £1200 shouldn't really have any bearing on the future policy cost.

    Even if it did have an impact, it would only be for a period of a few years, and not exceed the £300 you'd be getting back through the claim. I'd have thought it might be worth tagging the further item on.
    • rainio
    • By rainio 6th Oct 17, 7:43 PM
    • 38 Posts
    • 0 Thanks
    rainio
    • #4
    • 6th Oct 17, 7:43 PM
    • #4
    • 6th Oct 17, 7:43 PM
    Thank you for your help.
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