? Covered by accidental damage

gordikin

Quote wrote: »

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.

I'm covered for accidental damage but would certainly weigh up costs before claiming. Why would I claim for £160 when I have a £150 excess and a resulting increase in premiums?

It would be hair brained not to check out the costs and certainly not time wasting if it saves you money....which is after all what /mse is about.

Quote

gordikin wrote: »

I'm covered for accidental damage but would certainly weigh up costs before claiming. Why would I claim for £160 when I have a £150 excess and a resulting increase in premiums?

It would be hair brained not to check out the costs and certainly not time wasting if it saves you money....which is after all what /mse is about.

Obviously you wouldn't claim for ten pounds. That is a ridiculous example and a no-brainer. The OP is asking if they are covered. The chances are that they are covered, but to make sure all they need to do is ask their insurer.

Suddenly someone pipes up with the idea of mocking up some alternative quotes. Apart from the time it will take - and we all know time costs money - we have no ideas when the insurance is up for renewal, or any trends in home insurance between now and then.

Inevitably in the short term a claim is likely to increase the amount someone will have to pay for home insurance. If someone was that worried about the impact of making a claim could they not just buy the claim back after h event, if they could afford to?

I'm not condoning claiming willy-nilly without a second thought, I'm just saying that some people, especially on this forum, try to over complicate things and answer questions which aren't there.

gordikin

Yes the OP is likely covered but they do have to consider the costs of claiming against not doing so...which is what people are advocating. At what point it is worth claiming is for the OP to decide..not you..not me..or anyone else. Your attitude is claim...mine and others is check the costs. Time is money yes, but half an hour of an evening checking instead of watching Corrie may be time well spent.
? ??
At what point is it worth claiming?....£10, £50, £100, £200...etc on top of your excess. You'd have to make an informed decision I suggest. How would you do that Quote?

Quote

However I did it, I wouldn't start by asking anyone on the MSE board. I'd be more likely to end up misinformed.

vaio

Quote wrote: »

However I did it, I wouldn't start by asking anyone on the MSE board. I'd be more likely to end up misinformed.

got that right

NickCa

vaio wrote: »

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

This is a key lesson I am learning the hard way...it doesn't seem worth even contacting your insurance company unless you are sure you're going to claim...

vaio

yep, i just posted this on a different (but similar) thread.......

"Insurance companies don’t like talking to customers or paying claims, basically they want your premium and then not to hear from you until it’s time for next years premium to be paid.

If you bother them asking questions or with the possibility of a claim they apply a tax on claims and/or indecisive people and/or people who can’t be bothered to read their policy documents.

There are high end companies who don’t apply this tax and are happy to field questions but they are very expensive to start with as the costs are factored into the base premium."