Problems with a claim

Caryne

vaio wrote: »

It looks like a TV like that now costs £200-£250, knock off your excess and you are talking about a claim value of £50-£100.

It's a bit late for the OP but generally making a claim that small is pointless as they will get it back off you in increased premiums every year for the next five years.

Some things need to be self insured

Yes, in retrospect you are right but the TV cost us £400.00. Like I said, I've never claimed before and I presumed (wrongly so it seems) that they would give me the value of the TV less the excess, so I would get around £250, which would be a good amount towards buying a new TV. I certainly won't be making a mistake like that again. I do feel I've been really conned though and wonder why anyone ever bothers claiming at all when they treat you like this?

Caryne

adamc260 wrote: »

I guess they can't deduct it from the claim else they'd need to replace it with a tv worth £150 less as they're not giving you a cash settlement etc.

Yes, but I presumed they would give me cash towards buying a new TV, not get the TV for me. If you get what I mean.

bellabear_2

Caryne wrote: »

Yes, but I presumed they would give me cash towards buying a new TV, not get the TV for me. If you get what I mean.

You'll probably find a clause in your policy booklet advising that they are entitled to repair/replace the items etc. (Whatever is more economical for them).

I would definitely call the renewals department and ask them of the impact of your renewal premium if you withdrew the claim, while it may still have a slight effect on the premium, it may not be as drastic as an open/paid claim. Also try getting a couple of quotes on a comparrison sites, one with a paid claim of about £100 and one with a 0 payment and see if that makes a difference.