Should I claim?

seanbrown86

Hey

Recently out 28" TV broke through a accidental knock now I'm wondering if I should try to claim it on my insurance. Before anyone jumps to conclusions I'm not gonna try and con the insurance company out of anything as I have accidental damage cover as well as new for old...

I was wondering two things, how new will the 'new for old' stuff be and how much hastle is it claiming. the insurance companies Endsleigh and I'm a student. Also will a claim like this affect my insurance rates in the future, though I probably won't stick with Endsleigh when I'm a young professional.

Cheers

CLAPTON

things to look at
whats the cost of the TV to replace
is there an excess you have to pay

whenever (and with who ever) you apply for insurance they will enquire about any claims for the last 3/5 years

Blacksheep1979

seanbrown86 wrote: »

how new will the 'new for old' stuff be

well looking up new in the dictionary comes up with

–adjective
1. of recent origin, production, purchase, etc.; having but lately come or been brought into being: a new book.
2. of a kind now existing or appearing for the first time; novel: a new concept of the universe.
3. having but lately or but now come into knowledge: a new chemical element.
4. unfamiliar or strange (often fol. by to): ideas new to us; to visit new lands.
5. having but lately come to a place, position, status, etc.: a reception for our new minister.
6. unaccustomed (usually fol. by to): people new to such work.
7. coming or occurring afresh; further; additional: new gains.
8. fresh or unused: to start a new sheet of paper.
9. (of physical or moral qualities) different and better: The vacation made a new man of him.
10. other than the former or the old: a new era; in the New World.
11. being the later or latest of two or more things of the same kind: the New Testament; a new edition of Shakespeare.
12. (initial capital letter) (of a language) in its latest known period, esp. as a living language at the present time: New High German.
–adverb
13. recently or lately (usually used in combination): The valley was green with new-planted crops.
14. freshly; anew or afresh (often used in combination): roses new washed with dew; new-mown hay.
–noun
15. something that is new; a new object, quality, condition, etc.: Ring out the old, ring in the new.

I'm sorry I may be missing the point but don't you know what new is, are you honestly at university?

They will exchange like for like and quite possibly just give you vouchers for the likes of Dixons. But as already pointed out it may not be worth your while with the excess and increase in premium. Also its comming up to exam time soon - you're probably best off without a TV

seanbrown86

Yeah I am at university, I also came here for advice not to be patronised.

Blacksheep1979

It was a joke, thats why I bothered to actually explain most likely what will happen.

saver2006

blacksheep i hope you copied and pasted that definition cause if you didn't that was kinda lame

Blacksheep1979

you don't honestly think I'd take the time to type it up?

Voyager2002

seanbrown86 wrote: »

Hey
Also will a claim like this affect my insurance rates in the future, though I probably won't stick with Endsleigh when I'm a young professional.

Cheers

Well, if you make two or more claims within a three-year period you will have major problems getting insurance. And it makes no difference whether you apply to Endlseigh or another company, since they exchange data on claims and if you try to lie you will just make your situation even worse. Endsleigh are pretty good at handling claims and offer reasonable deals to young professionals.

Anyway, since you have genuinely had an accident and lost an expensive piece of kit, you should certainly contact them about claiming. However, if it turns out that you would not receive that much then do not proceed, because having a record of too many claims is not good news.

StudentSaver_2

Blacksheep1979 wrote: »

you don't honestly think I'd take the time to type it up?

You took the time to go and look for it to be patronising, surerly that's bad enough?

Blacksheep1979

well the op wasn't sure of the meaning of new.... And googling it and cutting and pasting takes all of 15 seconds.

Maybe because it takes moments out of my life I should post other things which I'm sure people find helpful? No - well I don't really mind wasting a few seconds on what was meant to be a light hearted little joke.