ipod bought on Credit card- accidental damage

Lisa_1971

My son bought an iPod Touch with his birthday money and I paid for it on my credit card - he's dropped it and the screen is smashed - his fault totally BUT would we be able to claim for it on the credit card..however we bought it 106 days ago. I'm thinking it's usually 90 days to claim but not sure AND it WAS his fault.

thanks in advance for replying to this thread. :(:(

opinions4u

You'd only be able to claim if the card specifically offered such cover. Most don't.

Even then, claim timescales are usually limited.

Home contents claim?

sweetme

I'd doubt it if he dropped it.

Lisa_1971

we are covered for accidental damage on home insurance but it's how much it's going to cost and how much the excess is..just trying to find out how much a repair will cost.

thanks for your replies

dalesrider

If it was a Visa card then there is no cover for accidental damage.

Visa timescales are a max of 120 days, from date of debit. This is both debit and credit cards.
Although there are some cases where it can be longer.

opinions4u

Lisa_1971 wrote: »

we are covered for accidental damage on home insurance but it's how much it's going to cost and how much the excess is..just trying to find out how much a repair will cost.

thanks for your replies

Weigh it up carefully.

Excess. Loss of no claims bonus. Impact on future premiums.

It might not be worth claiming for something small.

Some fee paying bank accounts may have gadget insurance included. If you've got one, double check. But it's a long shot.

exel1966

What's the card exactly ? Without knowing it's just a guessing game !

Many companies offer 90 days cover, some I believe offer a little more, but not sure if up to 106 days?

meer53

dalesrider wrote: »

If it was a Visa card then there is no cover for accidental damage.

Visa timescales are a max of 120 days, from date of debit. This is both debit and credit cards.
Although there are some cases where it can be longer.

The 120 day timescale is for chargebacks. There isn't a chargeback code for accidental damage.

exel1966

dalesrider wrote: »

If it was a Visa card then there is no cover for accidental damage.

Visa timescales are a max of 120 days, from date of debit. This is both debit and credit cards.
Although there are some cases where it can be longer.

What about the Capital One Classic and Barclaycard Simplicity cards ? Both offer 90 day purchase protection cover.

marliepanda

Are you actually asking if you can rip off whoever sold you the perfectly fine iPod because your son broke it?

What a good life lesson that would be for him...

Tiddlywinks

Lisa_1971 wrote: »

My son bought an iPod Touch with his birthday money and I paid for it on my credit card - he's dropped it and the screen is smashed - his fault totally BUT would we be able to claim for it on the credit card..however we bought it 106 days ago. I'm thinking it's usually 90 days to claim but not sure AND it WAS his fault.

thanks in advance for replying to this thread. :(:(

Yes or No.... that depends on which card you have and what the terms and conditions say.... as we don't have that information and you do, you are best placed to answer really.