tv stopped working, is it insured?

andrewpickup

hi,

tv has stopped working, LG 1080p 37'. 2.5 years old

simply stopped working, hissing noise then switches its self off

got santander bedroom plus buildings and contents, have paid it for the amount of time we have had the tv and our home for that matter

is it covered? its supposed to cover various risks, standard perils accidental damage etc

i hope so as its not that old really at all and im becoming quite disollusioned with insurances and warranties

and i dont want to lie, i bet people lie

Quentin

TVs developing faults not covered by contents insurance.

andrewpickup

Quentin wrote: »

TVs developing faults not covered by contents insurance.

thats pretty scandalous really, there will be unscrupulous sorts who will say its broken. why do i even bother with insurance?

Quentin

andrewpickup wrote: »

why do i even bother with insurance?

But you didn't get any when you bought it by the sound of it!

If you had bought insurance against breakdown which most tv shops offer, (ie extended warranty), then it would have been covered.

andrewpickup

Quentin wrote: »

But you didn't get any when you bought it by the sound of it!

If you had bought insurance against breakdown which most tv shops offer, (ie extended warranty), then it would have been covered.

i got the two years offered which seemed reasonable, but thats not where my issue lies, its with the insurance, ill push it off the unit shall I and say ther dog blundered it off?
I dont think that its unreasonable to try and claim on a relatively new tv
we would no doubt have more reasonable policies on insurances if every tom and !!!!!! claimed for every single twisted ankle or pot hole

Cazza

Insurance isn't designed to cover "fair wear and tear", which is effectively what has happened to your TV I'm afraid. I agree, 2.5 years for a TV's life is pathetic but electrical goods aren't always designed for a long life. Pushing it off the unit on purpose then claiming against the insurance is fraud; fraudulent claims are one of the reasons why premiums are so high in the first place.

Quentin

If you are prepared to commit fraud anyway, why bother asking here in the first place?

andrewpickup

Quentin wrote: »

If you are prepared to commit fraud anyway, why bother asking here in the first place?

do you bother reading anything or are you just being beligerant (sp??)

I was being rhetorical? has it really come to the stage where im a minority being honest, and just about anybody else would make a fraudulent claim, it seems this is what happens and i should just play the game as i pay so much for my insurance cos of this fraud in the first place.

seems that money saving expert is designed to milk the system for all its worth anyway

Quentin

andrewpickup wrote: »

I was being rhetorical

It's very difficult to spot when you are using rhetoric.

In your very first post you said:

i dont want to lie, i bet people lie

Then after being told your contents insurance wasn't for this type of thing:

I dont think that its unreasonable to try and claim on a relatively new tv

In the light of all that, how else are we to interpret your suggestion that you could claim it was damaged by your dog?

And how is MSE designed to "milk the system"?

You came and asked for advice (which you could have found for yourself if you took the trouble to read your policy), you were given correct advice, yet now seem to blame the messenger when you don't like the answer!

andrewpickup

Quentin wrote: »

It's very difficult to spot when you are using rhetoric.

In your very first post you said:



Then after being told your contents insurance wasn't for this type of thing:



In the light of all that, how else are we to interpret your suggestion that you could claim it was damaged by your dog?

And how is MSE designed to "milk the system"?

You came and asked for advice (which you could have found for yourself if you took the trouble to read your policy), you were given correct advice, yet now seem to blame the messenger when you don't like the answer!

no messenger is being blamed, thats your complex and no doubt your stock answer when you can be a little smug.

im bemoaning the fact that insurance doesnt really insure, you have insurance, extra warranty, at what point do you stop?

and as we know its because of the unscrupilous, so not me, maybe not you but a lot of people.

we also know that mse is about fighting for the consumer, getting back whats ours, loopholes. I dont even have a dog, but i want back some money ive fairly put in so maybe the insurance is the imaginary dog

admit it, id probably have a new tv

Cazza

A dictionary definition for insurance is.....

"Coverage by a contract binding a party to indemnify another against specified loss in return for premiums paid"

If you took out a policy which covers you for wear and tear on electrical goods, then you're covered. If you didn't, then you're not. Insurance DOES insure but only against the things listed in your policy. If you aren't happy, then take out an alternative policy (and if you find a policy which covers a TV packing up becuase it's worn out, can you let me know please?!)