Brighthouse Insurance?

marshallka

Buster_the_Dog wrote: »

I bought a tv from Brighthouse in December and was told I had to take out insurance unless I could provide proof I was insured for home contents already. Stupidly, I am not insured. So I took out the Brighthouse insurance and was told I was also covered for accidental damage. I was told if anything went wrong with the tv, it'd be repaired, or replaced if it would not repair. I didn't think this was a bad deal. However, I accidentally knocked the tv and the screen went haywire. I rang Brighthouse and they said someone would be out to collect it to take it for repair. They could not lend me a tv in the interim, they said, because I had damaged it myself and it was not a fault with the actual tv. One week later, when I rang Brighthouse for a progress report, I was told the tv was now not being repaired because "the company who made it doesn't provide new screens any more". Unlike normal insurance cover for accidental damage, however, I am apparently not covered to get a replacement tv. All I can do is go make a claim, they get the tv back and the remainder of the HP agreement is cancelled as a result. So although I don't owe them anything afterwards, nor do I have a tv & I am £350 down the drain. They told me I could then take out a new HP agreement for another tv! So after shelling out £350, I am then expected to start from scratch again, even though I have been paying for insurance cover including accidental damage! No thanks.

Also Buster, I would contact the OFT/Trading standards about the terms in the policy being unfair if this was not mentioned in the actual policy you had paid for.