buying things on the credit card

greenie29

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:(

Robert_Sterling_3

I doubt it but look in the Terms & Conditions.

seeya23

nope i dont think so

anotherpaul_2

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

You may be covered if you used an American Express charge card.

Swans1912

skyrider007 wrote: »

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

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

No idea where I read the £200 max from then