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Defrosted freezer?

edited 30 November -1 at 1:00AM in Insurance & Life Assurance
6 replies 9K views
Pink.Pink. Forumite
17.7K posts
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edited 30 November -1 at 1:00AM in Insurance & Life Assurance
Returned from holiday to find large chest freezer defrosted.

I estimate spoiled food to be in the region of £450.00.

I have two freezers in the garage, one was fine. The one which has defrosted was plugged into a socket with a trip switch, and when I unplugged it, then switched it on again it's working fine. After talking to neighbours discovered there had been a power failure three days before we came home.

What I want to find out is:
a) Do insurance companies pay out if defrosting
is the result of power failure?
b) Never having made a claim on house
contents insurance, will my premiums increase
as they do with car insurance?

I'd be grateful if anyone has any answers.

Pink

Replies

  • dunstonhdunstonh Forumite
    101.6K posts
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
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    a - usually
    b - potentially depending on your policy (ie, does it have no claims bonus).
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • Pink.Pink. Forumite
    17.7K posts
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    Thanks for your reply DD.

    Not sure about no claims bonus. I'm one of these daft people who has paid premiums for 20 years and never even looked at the policy before now. I suppose if premiums are increased I might get round to shopping around for a better deal.

    Pink
  • mutley74mutley74 Forumite
    3.9K posts
    dont want to sound rude pink winged, but £450 of frozen food is a lot of value food to be kept frozen.

    We have just renewed our house insurance and taken it with new home insurance, and they give us £200 free frozen food cover. I very much doubt i will ever make a claim on this instance due to:
    -an claim now, has to be declared on future policies at renewal
    -this may increase your future premiums
    -i doubt our frozen food add up to more than £30-35

    Depends on what you think, also consider the excess you may to pay, if any.
  • Pink.Pink. Forumite
    17.7K posts
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    Chipz

    My insurance covers up to £1,000 for frozen food.

    I get the impression from your post that you are suggesting that my claim is fraudulent. It is not.

    I don't know if you are implying that I couldn't possibly have lost £450.00 of frozen food, but I assure you that I have. I spent three hours up to my armpits in horrible smelly, bloody yeugh, cataloging each and every item. So I should know.

    You say your freezer contains only about £35 worth, obviously it is a great deal smaller than mine, and doesn't contain items such as legs of lamb or salmon.

    Mine is a twelve cubic feet chest freezer, used mainly to store meat and fish with the odd pizza and home cooked meal thrown in.

    I feel it is worth claiming because I feel I have a genuine claim where I have lost a great deal of food. Yes my premiums may increase in the future, and of course if I change to another insurance company I will declare my claim.

    I have paid premiums to this company for 20 years and thankfully I've never had the need to make a claim. Something now goes wrong and you suggest that I store far too much food and that it would not be a good idea to claim?

    Is this not what insurance is for? You have something of value.........it is damaged.........you claim?
  • mutley74mutley74 Forumite
    3.9K posts
    I get the impression from your post that you are suggesting that my claim is fraudulent. It is not.

    Pinkwinged,
    no false impression intended at all, and no i was under no intention and it did not even cross my mind to think you may have a fraudulent. I was just curious on thinking thats a high value of frozen food, but i fyou have specials cuts of meat etc, and such a big freezer that may explain. I was just sharing my views on why I would not make a claim if that happened in MY house, but at the end of the day its YOUR choice what YOU do.

    good luck with your claim. p.s. if its not too late take some pictures of the mess you found in the freezer (all the evidence you have helps), and keep your receipts from buying this food.
  • Pink.Pink. Forumite
    17.7K posts
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    Thank you chipz.......sorry if I sounded a tad agressive, but I'm pre-menstrual female just home from holiday with a defrosted freezer to deal with.

    pink
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