TV Broken, is it worth claiming?

CrazySaver

Before you all laugh there's always one....

Had a 36" Sony Wega CRT which until last night has been immaculate (roughly about 7-8 years old - £1600 at the time). We managed to drop the set over while rearranging the room, the screen is cracked (slightly) , I've not even tried switching it on.

I've not made a claim in the last 9 years. I have New for Old cover with Accidental Damage.

Is it even worth me claiming and if yes how would they handle it as the TV is quite old?

sugared_honey

How much is your excess? You might find its not really worth claiming with an excess and an increase in premiums to consider.

Just a heads up but alot of insurance companies are inspecting CRT tv's now for obvious reasons if you do decide to claim so your claim may not be a quick process.

SH

katylou6180

In my exp(7yrs) if you have AD it would be new for olded on the basis of what it cost new as the only thing insurers take money off for wear and tear on is soft furnishings and clothing. Also bear in mind that unlike car insurance home insurance when you make a claim you lose all your ncb, may be worth getting a contents quote on nil ncb with 1 claim and see roughly how much extra it would cost on next years premium before you claim- hth

CrazySaver

only have a £50 compulsory exec...

sugared_honey

katylou6180 wrote: »

In my exp(7yrs) if you have AD it would be new for olded on the basis of what it cost new as the only thing insurers take money off for wear and tear on is soft furnishings and clothing. Also bear in mind that unlike car insurance home insurance when you make a claim you lose all your ncb, may be worth getting a contents quote on nil ncb with 1 claim and see roughly how much extra it would cost on next years premium before you claim- hth

I think I've mis-read this, would you mind clarifying? As most companies work on a like for like basis, the price new is very rarely taken into account. (But in this case it is very rare that the insurance would replace with a CRT, they would find a 36inch(or as near to) flatscreen tv instead).

Sorry if I have mis-read! Good tip on getting quotes with and without claim, might be worth a try CrazySaver.

katylou6180

I have claimed myself on stereo system, tv etc, and been inspected by the company to basically "make sure it was broken" (not that I make a habit of it mind, think we have made 2 claims in last 10 yrs but one was recent) we were asked how much it cost new, which I duly advised, we were then given a kind of "voucher" to the tune of "what it cost new" to spend at "where the insurance co said" on a new telly...and ours was a crt. i have also worked in insurance for various co's and it was the same there, if you have a "sony" tv that cost £1600 new, they will give you the nearest "sony" tv (inch and screen wise) and if there are no "sony" tvs that are 36" and "crt" you will get a voucher for the initial cost.

CrazySaver

Very good advise on getting a quote with and without claim... Reckon I'll try that and check the difference it makes + take into account the £50 exess.

I was completely gutted as most of the content I look at is either from Sky or Cable TV (mostly SD) and my Sont 36 CRT did me proud, reckon it handled this picture sources better then these LCD's you get nowadays

From the comments above it's looking like it would be beter for me to claim then just take the trip down to the tip just yet (will keep hold of the set in case they want to have a look at the damage).

sugared_honey

Good idea CS, I would check with your insurance co to see how they handle these particular claims as I've not heard of companies re-imbursing for the original amount, but I've only worked for 3 different insurance companies so obviously can't speak for the rest of the market.

katylou6180

CS, it's obv that sugared_honey and I have worked for differing companies, and what sugared has said is prob the best course of action, if you can either check your docs to find out or "politely enquire" without giving any personal details to your company then do so, just bear in mind that if you "enquire" and do, they will be expecting a claim and if you give them too much information they will record that there has been an "incident" but no claim made if you don't, sugared...correct me if I'm wrong but where I come from that can sometimes be detrimental to a claim! Just trying to help

sugared_honey

Indeedy Let us know how you get on CS

dacouch

katylou6180 wrote: »

In my exp(7yrs) if you have AD it would be new for olded on the basis of what it cost new as the only thing insurers take money off for wear and tear on is soft furnishings and clothing. Also bear in mind that unlike car insurance home insurance when you make a claim you lose all your ncb, may be worth getting a contents quote on nil ncb with 1 claim and see roughly how much extra it would cost on next years premium before you claim- hth

You don't lose all of your no claims bonus with all home insurers, there are plenty that you step back by two years.

In addition deducting wear and tear is generally for clothing and linen rather than soft furnishings eg cushions etc
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