my tv has broken

lisyloo

it was an accident my kids were messing around and my 19 month old had thrown a toy at the screen purely through excitement playing with my 5 year old!!

If it's a genuine accident you should be covered, but bear in mind that you will lose your excess and have much higher premiums in future.

The person coming to see you will be assesing whether the claim is genuine and the amount of damage (whether it's repairable or repacement).

LadyIndecisive

FlameCloud wrote: »

You are not paying that much money for the policy, and it most certainly does not cover everything. If you think it does, I would seriously suggest reading your policy booklet.

Assume OP means £30 a month?

shellsuit

FlameCloud wrote: »

You are not paying that much money for the policy, and it most certainly does not cover everything. If you think it does, I would seriously suggest reading your policy booklet.

I guess you didn't read post #9?

lisyloo

I think FlameCloud is saying he doesn't think £30 per month is expensive.
It really does depend on what cover level and options are in place which can vary hugely as listed in post #16.

grogdog

lisyloo wrote: »

I think FlameCloud is saying he doesn't think £30 per month is expensive.
It really does depend on what cover level and options are in place which can vary hugely as listed in post #16.

the cost is more to do with your postcode ie potential risk than anything else.

lisyloo

You might be right but we have NO information on which to base any judgement of whether this is a competitve price or not.

Personally I have found that altering the options and levels of cover does have a big impact when accumulated.

FlameCloud

shellsuit wrote: »

I guess you didn't read post #9?

I was commenting on the fact that she says her policy covers everything (which was in my quote )

markelock

lisyloo wrote: »

If it's a genuine accident you should be covered, but bear in mind that you will lose your excess and have much higher premiums in future.

The person coming to see you will be assesing whether the claim is genuine and the amount of damage (whether it's repairable or repacement).

It shouldn't affect the premium if they switch insurer. I had a claim (water, approx £1k), and my quote this year was less that the previous year. Although I had to change insurer to get this.

Also, after speaking to my local bank manager, he informed me that a single claim would have no impact on the next years premium. It's only the insurer that pays out needing to recoup some (more) money.

FlameCloud

markelock wrote: »

It shouldn't affect the premium if they switch insurer. I had a claim (water, approx £1k), and my quote this year was less that the previous year. Although I had to change insurer to get this.

Also, after speaking to my local bank manager, he informed me that a single claim would have no impact on the next years premium. It's only the insurer that pays out needing to recoup some (more) money.

The bank manager will know next to nothing about insurance. The increase in premiums when you switch insurers is nothing to do with recouping costs, its because you are a higher risk.

markelock

he used to deal with the insurance side also.

it's about claiming separately on buildings/contents. claiming on both would increase your "risk" rating. Whilst this on it's own is anecdotal, my renewal after a claim did seem to back his point up.