Claiming bathroom on insurance?

clairey179

I've cracked my bathroom sink was cleaning it and dropped the ceramic toothbrush holder, it smashed (obviously) and has left a crack in the sink.
Is it possible to claim this on my insurance? I have the direct line 'plus' super duper type buildings and contents, so accidental damage is covered.
The whole bathroom suite is grey however, and a twyfords one (had a plumber round to redo my shower room, and he was raving about the quality of the bathroom suite etc), so I wasn't planning to replace it anytime soon as apart from now having a crack in the sink, it's in perfectably usable order.
I only bought the house in september, and have just not long finished putting in new flooring and tiles in the grey bathroom.
I'm a bit concerned about them replacing the sink with a white one and having a mishmash of a bathroom. Or will they replace he whole thing? As it's apparently a good quality sink, will they replace it with a similar branded sink?
Never claimed on insurance before, so really not sure how it all works
Thanks in advance.

kingstreet

If you have accidental damage cover on your buildings insurance, it's probably covered. However, it may be worth costing up how much it will be to replace it yourself against the excess you'll have to pay and the subsequent increase in your premiums if you make a claim.

You are unlikely to get your whole bathroom replaced for want of a cracked sink. Have a read of the policy schedule to establish the ability to claim for bathroom fittings.

lisyloo

Have you considered getting it repaired.
They can do some pretty impressive things these days.
Obviously I don't know how big the crack is does seems a bit excessive to replace an entire bathroom if it's a small crack.
I'd be getting someone in to do a quote and asking them how effectively they can fix it.

dacouch

kingstreet wrote: »

If you have accidental damage cover on your buildings insurance, it's probably covered. However, it may be worth costing up how much it will be to replace it yourself against the excess you'll have to pay and the subsequent increase in your premiums if you make a claim.

It's probably also covered under a Standard Policy cover

mikey72

You can still buy Twyfords grey, they're a special maunfacture, but your insurance should pay for it.
I've just done a quote on a primrose cloakroom.

*Scarlett

Check your policy docs to see if they cover matching sets.

If they do - great.

If not they will only replace the damaged item. I'm sure they will try to match it to your current suite if it is still available or you might be able to negotiate a financial settlement with them if they can't match it.

I'm sure you have new for old cover so the sink should be replaced with one of a similar quality.

Make sure that you are going to proceed with the claim before contacting your insurer because as soon as you report this incident to them it will go down on your policy as a loss whether you claim or not and may affect your no claims discount next year. (You can check how much the premium will be affected by doing a few fake online quotes to give you a rough idea).

kingstreet

dacouch wrote: »

It's probably also covered under a Standard Policy cover

That'll teach me to read my own policy documents more thoroughly;-

Accidental breakage of glass,
ceramic hobs or sanitary
fittings fixed to and forming
part of your home.

is indeed included in the standard buildings cover.

FlameCloud

https://www.brokenbog.com

Wasa given this site by another adjuster. For those times when you want to avoid replacing an entire suite for the sake of a small chip in a sink.

dacouch

FlameCloud wrote: »

https://www.brokenbog.com

Wasa given this site by another adjuster. For those times when you want to avoid replacing an entire suite for the sake of a small chip in a sink.

I'm guessing due to the costs of sourcing and storing such items their prices are relatively expensive. Do you find Insurers will normally agree to replace say a sink from this company?

hugoshavez

dacouch wrote: »

I'm guessing due to the costs of sourcing and storing such items their prices are relatively expensive. Do you find Insurers will normally agree to replace say a sink from this company?

Not that expensive, it's certainly a better compromise all round than having a non-match, and cheaper for the insurer than ending up paying for 50% of all non-matching items (and subsequent tiling costs) which many are doing if pushed by a claimant towards FOS.

mikey72

dacouch wrote: »

I'm guessing due to the costs of sourcing and storing such items their prices are relatively expensive. Do you find Insurers will normally agree to replace say a sink from this company?

They're not a bad price , even compared to white replacement.
But they're a re-seller, so I can source similar items at a slightly beter price, such a the one I mentioned above.