tv stopped working, is it insured?

andrewpickup

Cazza wrote: »

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?!)

I cant disagree with this but when you get your first mortgage, and actually bother to be one of these people that insures what ever they can, under the impression its comprehensive, and you are naive and honest enough to think that if you pay it you will be ok.

it annoys you

Loanranger

No insurance policy insures for wear and tear.
Suck it up, I'm afraid, like the rest of us.

tamarto

You would have to be pretty naive to expect insurance to pay out for electronics or anything else coming to the end of its life tbh.

vaio

andrewpickup wrote: »

........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.......

yep, but it's not about insurance fraud and in any event on a claim of this size, minus excess minus increased premiums for the next few years you would probably end up out of pocket anyway.

Depending on the fault, you could also ask yourself whether less than three years is a reasonable amount of time for a TV like that to last and if you come to the conclusion it’s not then a Sale of Goods claim might be available as that requires that goods are satisfactory quality and reasonably durable.

Dangermac

andrewpickup wrote: »

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

Did you take the pink tablets instead of the blue ones today?

andrewpickup

vaio wrote: »

yep, but it's not about insurance fraud and in any event on a claim of this size, minus excess minus increased premiums for the next few years you would probably end up out of pocket anyway.

Depending on the fault, you could also ask yourself whether less than three years is a reasonable amount of time for a TV like that to last and if you come to the conclusion it’s not then a Sale of Goods claim might be available as that requires that goods are satisfactory quality and reasonably durable.

you would expect better than 2.5 years really so maybe thats something ill look into

castle96

I vaguely remember something about "6 years" being a 'reasonable' period for electrical goods being 'expected' to last...

Hooloovoo

andrewpickup wrote: »

i got the two years offered which seemed reasonable,

If you bought a two year extended warranty, this will be in addition to the standard manufacturers warranty. So if they give one year you will be covered for three.

Your TV has failed after 2.5 years so you are within warranty.

Norfolk_Jim

most insurance excludes damage by domestic pets, dont let the dog push it off its stand, man up and push it off yourself. Of course, having discussed it all here you could be done for fraud, rhetoric fraud of course. Kids playing rhetorical cricket in the house is also a possibility, since we are being rhetorical today ; 0

vaio

Rhetorical or hypothetical?