Cigarette burn of sofa - can I claim on insurance!

KSB235

My policy has accidental insurance but this only covers damage caused by me and anyone else named on the policy, not friends/visitors....might be worth checking the small print to see what yours says.

Penny-Pincher!!

far2812 wrote: »

Oh I don't think I stipulated I am a smoker! I am not but my friend is- will that make a difference? x

If you're not listed as a smoker, then generally there will be a clause in there about cigarette damage not being included as your premium is usually higher if you are a smoker.

As you are a non-smoker, I do think it would be common courtesy for your "friend" to pay for the damage that she caused! Had you agreed to allow her to smoke in your house?

I would be fuming if it was me!

Good luck.

PP
xx

*Louise*

I too am wondering if she offered to contribute to the cost? Smoking in a non smokers house seems rather rude to me tbh.:eek:

Have you managed to check the small print in your insurance yet?

Penny-Pincher!!

*Louise* wrote: »

I too am wondering if she offered to contribute to the cost? Smoking in a non smokers house seems rather rude to me tbh.:eek:

Especially babysitting (even a dog!) too!!!

Hope you're okay OP.

PP
xx

far2812

Well my friend "offered" to pay but I honestly don't think it was a genuine offer!

I have tried to fix the burn by trying to cut out the black bits and cut a little bit of the back of the sofa and it looks like a patched job but it looks a little better.

Still upset really as my dad bought me these sofas xxx

go_cat

far2812 wrote: »

Well my friend "offered" to pay but I honestly don't think it was a genuine offer!

I have tried to fix the burn by trying to cut out the black bits and cut a little bit of the back of the sofa and it looks like a patched job but it looks a little better.

Still upset really as my dad bought me these sofas xxx

regardless of wether you think it was "a genuine offer" accept it quickly

Say thank you for your offer to repair - the cost is going to be ......

Why is it fair you have to live with a bodge job because of their negligence?

BallandChain

You could put a throw on the sofa to cover the damage.

Sambucus_Nigra

Dogsitting?

74jax

I don't really know if this is even possible or not, but could your friend not claim on her insurance? I don't really know why you would even consider claiming on your insurance rather than your friend pay, it will be on your records for 5 years.

If it was the other way round you would pay your friend straightaway, your friend has offered, accept this.