Can i claim for cigarette burn on sofa?

111222

I am in a rented flat. The sofa is a fake leather sofa approx £200-250 from IKEA, i made the burn, it was an accident, it is about 3/4cm x 1/2 cm right on the arm.

So i have home insurance up to £5000 = £10.88 Premium per month. So i find the insurance a bit confusing. The £10.88, or £5000, seems to be for an overall cover for

CONTENTS AND PERSONAL POSSESSIONS WITHIN YOUR HOME:

Our policy covers your contents for loss or damage caused by:

• Fire, Lightning explosion, earthquake, storm or flood
• Escape of water
• Collision by aircraft, vehicles or animals
• Malicious act or riot
• Theft by forcible means

Cover includes

• Accidental damage to TV, audio, video and DVD equipment, and personal computer equipment
• Contents in your garden £200
• Replacement of locks following theft of keys £250
• Contents in your garage and outbuildings £500
• Frozen food £250
• Money and credit cards £100 each
• Pedal Cycles up to £200
• Valuables like jewellery covered up to 33% of sum insured
• Cost of alternative accommodation 30% of sum insured
• Personal Liability £1,000,000
• Accidental damage to your Landlords contents, building, fixtures and fittings up to £2500

which includes, as you can see,

Accidental damage to your Landlords contents, building, fixtures and fittings up to £2500

but then i also have various other options to insure specific items which i have not done for example,

ACCIDENTAL LOSS OR DAMAGE TO YOUR PERSONAL POSSESSIONS (Optional):You can cover for valuables and specified items worth over £1000

and

SPECIFIED POSSESSIONS (Optional): In addition to standard contents cover you can increase your cover to include loss or accidental damage to personal possessions anywhere giving you further peace of mind when away from home.

Why are these options to insure specific items not included in the £5000, "main" cover?

Do you think that from this description of my insurance policy i will be able to claim for the sofa?

I have been paying the insurance for 20 months now without a claim and have never claimed from insurance before although i do have a bad credit history for CC's.


What are the consequences of claiming?

thanks

woodys_wonders

Does the sofa belong to yourself or your landlord?

exel1966

If the sofa is yours then it doesn't appear to be covered under accidental damage, unless you specifically have it as a named item for this purpose.

Accidental damage cover for general possessions (sofas etc) usually pushes the annual premium up, judging by your monthly cost you wouldn't have it.

So probably NO !

ijgreer

To be honest, its probably not worth your while making a claim, the excess and increased premiums for the next five years with having a claim on your record would mean you will pay out more in the long run.