buying things on the credit card

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i bought some ghd straighners on my credit card a yr ago and wondered if im insured 4 accidental damage on these as i recently stood on them????!!!!!! d'oh:(

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  • Robert_Sterling_3
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    I doubt it but look in the Terms & Conditions.
    ...............................I have put my clock back....... Kcolc ym
  • seeya23
    seeya23 Posts: 2,330 Forumite
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    nope i dont think so
  • anotherpaul_2
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    Unlikely. You might be covered buy home contents insurance, but the excess and potental effect on future premiums probably means its not worth claiming for.
  • skyrider007
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    You may be covered if you used an American Express charge card.
  • Swans1912
    Swans1912 Posts: 1,658 Forumite
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    You may be covered if you used an American Express charge card.

    usually only for the first 90 days however, up to a max of £200?
  • skyrider007
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    PURCHASE PROTECTION

    This benefit applies to items purchased on The American
    Express Card Account for personal use that have had no
    previous owner and were not purchased privately.

    1) If the item is stolen or damaged within 90 days of
    purchase, you will be paid:
    a) the costs of repair or replacement of an item up to a
    maximum of the purchase price or £2,500 whichever is
    the lower. The purchase price will be the cost of a pair or
    set of items if they are used together and cannot be
    replaced individually;
    b) up to a maximum of £2,500 for any one incident;
    c) up to a maximum of £20,000 in any 12 month period.


    EXCLUSIONS

    1) The first £50 of any claim.
    2) Normal wear and tear.
    3) Damage caused intentionally by you.
    4) Damage to items caused by product defects.
    5) Theft of or damage to items where you have failed to
    take sufficient care of them or have left them unsecured
    or outside your reach.
    6) Theft not reported to the police within 48 hours of
    discovery and a written
    report obtained.
    7) Not taking reasonable care of items or leaving them
    unattended in a public place.
    8) Theft of or damage to vehicles, their parts, or items in a
    vehicle.
    9) Theft of or damage to money, or other cash equivalents,
    travellers cheques or tickets.
    10) Theft of or damage to animals, plants and perishable
    goods.
    11) Theft of electronic items and equipment.
    12) Any fraudulent, dishonest or criminal act committed by
    you or anyone with whom you are in collusion.
    13) Confiscation or destruction of purchases by any
    Government, customs or public authority.

    https://secure.cmax.americanexpress.com/Internet/International/emea/GB_en/Personal/prospect/Choose%20A%20Card/All%20Cards/Green%20Charge/All%20You%20Need%20To%20Know/335267_Amex-CAM5358a.pdf
  • Swans1912
    Swans1912 Posts: 1,658 Forumite
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    No idea where I read the £200 max from then :p
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