Plazma TV fell over now broke can I claim?

LinasPilibaitisisbatman

Actually in all three cases the TV's fell on the children, all of whom were too weak to get it off.

The children didnt topple them over.

You would imagine if toddlers had the strength to move/lift/break TV's then these three children might have put it too use no?

daveboy

If I had a 42" TV it would be hooked up on a wall well away from children and adults that could knock it, mark it etc.

I accept someone will say "it could fall from the wall". Not if it's done properly.

Personally I hope the insurance company either don't pay out, or drag their feet on this one. A bit of common sense with expensive electrical equipment and you could have avoided this.

I sincerely hope the boiling hot kettle etc aren't in reach of that child either.

geri1965_2

daveboy wrote: »

Personally I hope the insurance company either don't pay out, or drag their feet on this one. A bit of common sense with expensive electrical equipment and you could have avoided this.

If it's covered, it's covered. Insurance claims departments are not there to make moral judgements.

lisyloo

If it's covered, it's covered. Insurance claims departments are not there to make moral judgements.

But they do make decisions about fraud and if they think it's not a genuine case they won't pay.
My Plasma was bought in 2003 so 6 years old.
It's very heavy, I can't lift it with my husband, we have to get 2 strong men.
I very much doubt a small toddler could topple it over, but at the same time there is NO way it could go on a wall.

The OPs TV is probably much more modern than mine and much lighter, so could be entirely different.

The strength required to topple something over is not the same to lift it off you especially if you're knocked out.

All the same, yes I think there are valid concerns about childrens welfare.
That is what I was worried about, the TV falling onto the child, but the same goes for kettles/irons.

geri1965_2

lisyloo wrote: »

But they do make decisions about fraud and if they think it's not a genuine case they won't pay.

That's a different issue.

dunstonh

My 42" Sony plazma TV was knocked over by my 1 yrs old.

I would expect an insurer to be on guard with a claim like that. At 1 year old they shouldnt be able to have the strength to be able to knock over a TV of that size unless it was in a position that was insecure and dangerous. I have a large plasma and whilst you could knock it over if you tipped it from the top and tilted it sufficiently its very difficult to see how a 1 year old could do it.

Accidental damage to TVs are also a very common area of fraud.

MissDVL

Although I am probably an unlikely source (18 y/o female!), I worked at a TV retailer for two years so can probably help out with this one!

As long as your TV is covered with accidental damage then it is 99% likely you are able to claim on the insurance. However it won't be replaced, it will be repaired, and will continue to be for the entire duration of the insurance cover, regardless of how many times it goes in. The only time a TV will be completely replaced is if it beyond economical repair. This is mainly to stop fraudulent claims as mentioned above, as there are an incomprehensible amount of false insurance claims filed every year.

Also depends on where you bought the product. If it is a standard insurance company such as Domestic & General they are a bit more vague about what is covered and what isn't. A reputable company such as the one I used to work for (not being biased, it's a fact!) actually have their own service department and engineers who are employed by the company, not contracted, to service the products, and will more often than not do a home call rather than you having to arrange for collection of it. But if you are covered by DomGen you will be alright - they are very nice people and tend to be the most helpful bunch.

And penrhyn is right - Sony don't sell plasma televisions in the UK, it's an LCD )

Rolandtheroadie

LinasPilibaitisisbatman wrote: »

Actually in all three cases the TV's fell on the children, all of whom were too weak to get it off.

The children didnt topple them over.

You would imagine if toddlers had the strength to move/lift/break TV's then these three children might have put it too use no?

Is there a lot of cases of tv's just dropping from the sky onto toddlers? I've pushed a car before, but i couldnt lift one off myself if it was on my chest.

Gangstabird

I am absolutely paranoid about tv's falling over and trapping my children, but even I would make sure that I put the guide strip up. We do it with wardrobes, chests of drawers etc. It's a bit of tape, but it stops you being able to pull the thing forwards. Deaths have been known because of children climbing up the drawers.

Yes it's a bit too much. But guess what, ITS never too much with MINE.

lisyloo

If it's covered, it's covered. Insurance claims departments are not there to make moral judgements.

That's a different issue.

Not exactly sure what you mean by "moral judgments" then.
Quite often insurers do not cover you for negligence.
It's not really what I would call a "moral" judgment, it's more matter of risk.
They will make judgements if people take risks beyond what would be expected to be normal and they tend to call that neglegence.

I'm speaking generally as having a TV on a stand is quite normal.