Home Insurance ?

packmanuk_2

I've got a policy that includes accidental damage. Last night my 2 year old swung around a belt and hit the glass on our wardrobe. The glass is now cracked.

Is it possible to claim on this accident ? I've never claimed before on the policy so wanted to check first.

Quentin

You could claim, but check if it is worth it (you may have an excess to pay, and the claim will put up your future premiums).

Paying for a new glass yourself may be cost effective.

packmanuk_2

So would the claim be valid ? We couldn't just replace the glass but have to get a new wardrobe which would cost about £500 or more. Our excess is £50 I think.

oneday_3

yes if you have accidental damage this claim would be a valid one

gordikin

Why can't the glass be replaced?

lisyloo

We couldn't just replace the glass but have to get a new wardrobe

I'm not sure why it can't be repaired/replaced.
But be aware that your insurer will not necessarily just agree to a brand new wardrobe.
They might want to send someone round to try to repair it or replace the broken part, so don't count on getting a new wardrobe out of it.

If you have investigated this already then the above might not apply, but don't underestimate insurers resourcefulness at getting things fixed rather than repaired.
There are specialist repairers that they might use.

packmanuk_2

The glass has a pattern on it so I would of thought it would be hard to match. I certianly couldn't do it myself.

Is a child swinging a belt around a valid accident ?

dacouch

A child swinging a belt should be covered, but I recommend you take Quentins and Lisyloos advice and investigate how much it will cost to replace the mirror first as it may be cheaper to replace it yourself rather than pay your excess and any increase in future premiums. In addition if you decide your Insurers will probably want you to get a quote anyway so you will have a quote for them