Home insurance - am I covered?

ArchieB_2

Am I missing something here? You must have very expensive wallpaper if you are even considering claiming. If it's not a discontinued line then can't you replace the single strip?

Personally I wouldn't consider claiming as you might find you end up paying more in the long run.

dld2s

As someone said, it would probably cost you more on the long run,
have you tried removing the crayon marks, this link has a couple of ideas

http://www.associatedcontent.com/article/29428/how_to_remove_spots_marks_and_stains.html

susanmc

As I said already it wasn't crayon it was felt tip pen.

I called my insurer today and I am covered tho have £100 excess so will need to see whether its worth claiming or not. They also told me that the policy I have doesn't offer any no claims discount which surprised me. They'll pay for the cost of new wall paper and for someone to decorate it and I need to send in 2 quotes.

Thanks to everyone for your advice.

paulh2004

Home Insurance doesnt have no claims discount in the same way car insurance does although in principal works the same. With car insurance you get a set discount for however many years no claims you have where as with household insurance you get a set price then this increases depending on your claims history. 1 small claim is unlikely to effect your premium but if you had a subsidence claim it would obvoiusly be a different story.

Astaroth

Some insurers have started to have a formal NCD system for Home but as paul says, the majority of them dont but instead have a basic "how long ago was your last claim" type question.

A small claim is unlikely to have a great effect on your premiums but the fact it is accidental damage will mean it has a bigger effect than if it had been a frozen pipe or such.