Currys whatever happens next.

oooMRWILSONooo

I'm currently going through a claim with currys WHN insurance. And I received a phone call from the claims investigation team asking what exactly happened to my tv. I explained arriving home from shopping my eldest daughter wanted the toilet then my other two kids wanted the toilet also. So as i opened the door my eldest ran straight for the toilet this sent my son into a tantrum he did the usuall thing stamped his feet, but he had a juice bottle in his hand and in temper he through the bottle and hit the tv!!! I was in the passage so I didn't see it happen. Now claims investigation bloke said there's wasn't enough evidence!! I couldn't give him anymore as I didn't see my son throw the bottle, and they've deemed it non-accidental damage!! So now I have to appeal there decision, and give them more infomation on how this happened i dont think i can give them anymore information, and he also mentioned it was suspicious that there was only 2 months left on the policy. Any ideas where I stand on this thank you. Over 4 weeks this as been going for it's so frustrating :-(

marcowil

Surely it doesn't matter how it happened, the insurance is called "WHATEVER happens".

I claimed on this a few years back from Currys for a hi-fi that had had orange juice spilled all over it. There was no quibble at all, just vouchers for a replacement. I remember when I agreed to take the insurance the sales guy said something like "even if you pick it up and throw it down the stairs its covered!"

I would be standing my ground on this. they sold you a policy that covers ANY eventuality and thats what you are claiming for

marcowil

From their website

What isn't included?

• Regularly replaced items/consumable items
• Built-in batteries
• Bulbs (except for bulbs used in rear projection TVs)
• Vacuum cleaner belts
• Lamps used in projectors
• Cosmetic damage where it does not affect the operation or safety of the product
• Repair costs that have not been approved
• Damage or breakdown due to flood, wind or other severe weather conditions
• The cost of repairing or replacing a product which fails because anyone neglects, abuses or misuses the product
• Any service or benefit where the Customer Support Agreement has been suspended
• Inoperability of a product caused by withdrawal of services by a third party
• Image retention on a plasma, rear projection or LCD screen
• Theft, loss or consequential loss
• Any claim where your monthly payment has not been received by the due date, or where the bank has reclaimed it.

In my opinion none of these apply. your child had a tantrum. You couldn't have anticipated what he was going to do - it was an accident.
(though I am sure there will be a few posters along who feel its appropriate to comment on your parenting skills rather than give you advice on your problem with Currys)

Esqui

There are some cases where deliberate damage is alleged (and I hope you can see that someone less honest might claim the same as you!), and you're asked to put in writing the reason for the damage. But if you explain in writing as per the letter's instructions, I have rarely seen them reject it.

del77

iv just come off the phone to someone at whatever happens and i still cant believe my ears.3weeks ago my tv stopped working(no power)nothing new as when i bought it 2yrs ago after a few weeks i could hear it but nothing was on screen.so when it stopped working this time i did the same as before rung them up,they came had a look(i mean had a LOOK,no tools,no clipboard with a checklist attached)told me it happens all the time with this tv they dont make them anymore(samsung 42" plasma) and out the door they went with my tv.with a we'll be in touch shortly.
back to today after ringing them up and waiting over 15 minutes to talk to someone iv been informed my tv is bieng sent back with a letter to explain that the SMASHED SCREEN AND CHUNK MISSING FROM THE FRONT OF MY TV is not covered and does not constitute a power problem.you can imagine my response and after 5minutes of scaresly uninterrupted abuse by me i was promptly cut off.i did manage to calm down and relay to a later advisor(after a 20min wait)what my problem was and the fact that i didnt ring up in the 1st place and mention any damage to the tv.his agreed and told me thats why the engineer has classed it as suspisious damage because its booked in as a power problem.the underwriter has seen his report and thier sending back the tv with a letter so i can appeal.and they can have an investigation.but id allready asked the 1st advisor why did he not just ask the people that took my tv if they collected it in that state?which he replied he had and they did!!!the 2nd advisor told me this would be untrue,maybe after my initial onslaught the 1st advisor wanted to wind me up i dont know?
has anybody had the same problem?
how did they deal with it?
do i accept the tv back?i mean it aint coming back in the condition i sent it and by all accounts its most definately damaged
thanks
a deppressed del(i love that tv,that was the biggest single purchase iv ever made,words cannot describe my feelings at the moment)

juliep1962

hi i am going through allianz insurance at moment well its been since april.MY samsung led 7000 series was taken in july it cost £950 but because they have i find delibreatly taken thier time with the claim I have purchased another tv costing £549 so they have offerd to pay for this one not the one that was damaged.I have not excepted thier offer but yes its very stressfull.my tv was damaged by a company contracted by council to put my patio door in so its the companys insurance.sorry i have gone on about my problem but its just to let you no i no how you feel have you tried the legal ombudsman i cant because im the third party in the claim but you could try them good luck

Kilty_2

del77 wrote: »

after 5minutes of scaresly uninterrupted abuse by me i was promptly cut off.

As an ex call centre worker I have no sympathy for you, solely because of this.

:T to the operator for exercising their right to cut you off.