Claiming on contents insurance for broken treadmill?

bjblackmore

Hi,

We have a 3 year old treadmill, which cost us about £500 from Argos. I was running on it last night and suddenly there was a pop and the belt just stopped. At first I thought it was the fuse in the plug, so replaced that, and it came back to life for a few seconds, but then there was a burning smell coming from the motor, and I could see some smoke, so immediately unplugged it again.

I've looked around, and there are a few posts from other people with these treadmills, saying there are no parts available, so its not possible to repair. The same model treadmill is still £500 on Argos if we want to replace it.

Does anyone know if it would be possible to make a claim for this on your contents insurance? We have buildings and contents, with accidental damage cover. We've never claimed before, and have 5 yrs no claims with them.

Any advice would be welcome.

Thanks

Ben

crazyguy

Ring them and ask !

rs65

Probably not, I'm afraid.

We will pay for accidental damage to the contents of your home.
But we will not pay for damage:
by a cause listed in or specifically excluded in paragraph A of this section;
caused by a paying guest or tenant;
to clothing, contact or corneal lenses, hearing aids, plants, food or drink, money or pedal cycles;
caused by an electrical or mechanical breakdown, wear and
tear, loss of value or anything which happens gradually;

_Andy_

crazyguy wrote: »

Ring them and ask !

Crazy, crazy idea

forgotmyname

Its not broken/damaged though its mechanical failure. You dont claim on your car insurance because your car
needs servicing or its run out of fuel.

I wouldnt risk phoning the insurance in case they say its a claim on your policy, See watchdog last week or was it
the week before?

People phone for these type of question and got the policy cancelled or premiums increased.