? Covered by accidental damage

kaza

I have buildings and contents insurance with Sheilas wheels and paid extra for accidental damage cover.

Anyway my little boy has pulled the footstool over the laminate floor and the protective cover had come off the leg exposing the screw - hence a nice big gouge across the floor, would this be covered by the insurance?

Thanks
Karen

Quote

If you have accidental damage cover on buildings and contents then it should be covered. Here's an idea though, ring your insurers and ask them. They should be able to give you a definitive answer.

vaio

but before you contact your insurance company get an idea of the repair cost and run some dummy quotes to get an idea of any premium increase the claim will cause

Quote

vaio wrote: »

but before you contact your insurance company get an idea of the repair cost and run some dummy quotes to get an idea of any premium increase the claim will cause

Don't do this. It might be a complete and utter waste of time. Find out if you're covered first.

huckster

Quote wrote: »

Don't do this. It might be a complete and utter waste of time. Find out if you're covered first.

Yes the event should be covered under the Accidental Damage cover, but you need to find out whether it is worth it. Agree with vaio that you need to understand the costs. e.g. cost of replacing damaged laminate against the value of the excess, plus likely increase in premiums.

You might find that once you understand the costs that you find it is not worth claiming.

kaza

huckster wrote: »

Yes the event should be covered under the Accidental Damage cover, but you need to find out whether it is worth it. Agree with vaio that you need to understand the costs. e.g. cost of replacing damaged laminate against the value of the excess, plus likely increase in premiums.

You might find that once you understand the costs that you find it is not worth claiming.

Had not really thought about that
Thanks

vaio

Quote wrote: »

Don't do this. It might be a complete and utter waste of time. Find out if you're covered first.

the danger is that if you enquire, they will ask for details and it goes on your file possibly resulting in increased premiums plus the need to declare the "incident" to any other insurers for the next three/five years

Quote

Scaremongering? Anyone? The OP wants to know if they are covered. Surely if they had the finance to self insure they wouldn't be asking this question. We can therefore surmise that if they are covered they will be making a claim irrespective of your hair brained and time-wasting "dummy quotes" scenario.

vaio

I'm sure the OP is bright enough to read her policy and see if she is covered.

What she can't do without dummy quotes and a repair cost is make the decision whether it's worth claiming taking into account excess, repair cost, maybe loss of ncb, maybe increased future premiums.

Hair brained they might be but without them she can't make an informed decision.

Asking the insurnce company is she covered is pretty much garenteed get the "incident" recorded on her record with the possibility of the increased premiums and and if she's really lucky finding out that the combination of repair cost/excess/ncb etc makes it not worth claiming.

Quote

Clearly the OP isn't bright enough, or this thread wouldn't exist.

mikey72

Quote wrote: »

Clearly the OP isn't bright enough, or this thread wouldn't exist.

And you are trying it on hoping she will drop herself in it.

Op - read the other advice, and check a claim won't cost you more first.