Claiming clothes on contents insurance... help please

FREYA

I had 3 bin bags full of dirty clothes and bedsheets in the boot of the car on sunday, ready to take to the launderette. My husband took the car out yesterday and stopped off at the dump on the way to throw out some old insulation from the attic - you guessed it, he threw out the clothes and sheets while he was there.

I've been to the dump this morning, they've been pretty unhelpful and have said there's nothing they, or I, can do.

Now a very rough calculation would say that there was over a thousand pounds worth of clothes in those bin bags. Is it worth claiming on out contents insurance? How on earth will I prove that I owned all those clothes and their value?

Thanks in advance

StuC75

Even after you claim & Paid excess and the resulting higher premiums - likely not worth the hassle..

Probably best to ''reclaim'' via the Husbands Credit card...

huckster

If you put that claim in, be prepared to be treated as if you were not being truthful about what had happened. I would expect the Insurers to arrange a cognitive interview of your husband and yourself, before they would look at the claim. Then they would want a listing of all the clothes, with details of how old they were.

Do you normally take clothes and bedsheets to a launderette ? That is not that usual any more. If this is not normal, what explanation is there for this. Broken washing machine ?

Make sure you have accidental loss cover away from home and that you understand the cost implications. e.g excess, increases in premiums, how much the Insurers would actually settle for, as clothing claims have a deduction for age/condition.

InsideInsurance

With almost no exceptions, clothes are not replaced on a new for old basis and so depending on the age of the items deductions will be made for their age.

Different insurers will have different scales, talking to one insurer the other day they paid out 100% for clothes under 1 year old, 75% for under 2 years, 50% for under 3 and 25% for anything 3 years or older.

So, depending on how often you change your clothes etc then I am guessing £1,000 of new price will be £500 after age deduction and if you then ahve a £250 excess you'd only get a cheque for £250 and lose your no claims discount/ have increased premiums for 3-5 years due to the claim.

Obviously you need to work it out more accurately yourself but on the face of it it sounds more like a bit of a new wardrobe is needed and hubby has to fund it.

FREYA

huckster wrote: »

Do you normally take clothes and bedsheets to a launderette ? That is not that usual any more. If this is not normal, what explanation is there for this. Broken washing machine ?

We currently do not own a washing machine.

FREYA

Thanks for the help - I was wondering whether it was worth it, seems like it's not. Hubby will just have to work extra long hours this month to pay to replace them.

chanz4

How many bags? £1000k worth of clothes

phill99

£1000 worth of clothes but no £200 washing machine.

What part of the policy do you think you can claim under?

Normal peril such as flood, fire, explosion, earthquake?
Theft?
Accidental damage?

Unless you have bought the additional 'being a numpty' policy, then you wont be able to claim.

InsideInsurance

phill99 wrote: »

Unless you have bought the additional 'being a numpty' policy

I know I need to