old crt tv claim

fender62

i have an old phillips crt 29inch television i moved to to redecorate room
and it got dropped when carrying it, i have barclays house insurance
would it get replaced or should i not bother making a claim.
what would they say and what should i say to them

irishjohn

do you have accidental damage cover?
do you have new for old cover?
you would say as you said to us, You dropped it - anything else would be fraudulent
Are you prepared for your insurance costs to increase next year due to a claim for an obsolete piece of audio visual equipment which no longer functions without a freeview box?

Even if you scout around for a new quote from another insurer you would have to tell them about any recent claims.

my advice - chuck it and forget the insurance

thatsean

You can get a replacement for £20 from a charity shop - as others have said, unless you want to pay the costs of the replacement over the next few years' insurance, don't bother.

McKneff

I really dont see the point of paying contents insurance, year after year and not claim on it.

Ring them and ask them if you made a claim for say a TV how much would premiums rise .

fender62

good points, but a new 42inch lcd would be nice, but like mentioned the premiums would go up mmm, or maybe make a claim then cancel the insurance
and not have any, i just dont know

Dangermac

McKneff wrote: »

I really dont see the point of paying contents insurance, year after year and not claim on it.

Ring them and ask them if you made a claim for say a TV how much would premiums rise .

This is probably the worst advice I have ever heard.

Agreed that the policy is there to protect you, however, you need to balance the cost of the loss v your good claims record.

Given that the item damaged is a CRT television which is pretty obselete and would simply be replaced with the most basic flat screen, I struggle to see the point in claiming, particularly as the policy will have at least a £50 excess, and the premium may increase going forward, for at least a couple of years.

Furthermore, by calling the insurer to enquire, this will be logged as a loss, and will have a similar effect to making an actual claim.

I would say that the advice provided here should be ignored, as very misleading.

DM

Dangermac

fender62 wrote: »

good points, but a new 42inch lcd would be nice, but like mentioned the premiums would go up mmm, or maybe make a claim then cancel the insurance
and not have any, i just dont know

You could ask them to replace the damaged 26'' CRT with a 60'' Bang & Olufson LCD.

[Deleted User]

Hi,

fender62 wrote: »

i have an old phillips crt 29inch television i moved to to redecorate room
and it got dropped when carrying it,

have you tried using it yet, maybe just a loose valve.

McKneff

Dont cancel your insuranance, that isnt what I meant, you still need this to cover you for flood, fire, etc,

no-oneknowsme

McKneff wrote: »

I really dont see the point of paying contents insurance, year after year and not claim on it.

Ring them and ask them if you made a claim for say a TV how much would premiums rise .

For me personally I wouldnt dream of claiming on my home insurance for a minor item - to me minor is something like a clapped out tv which had been damaged or paint spilled on a carpet etc.

The reason for this is by the time the excess is deducted and then theres the increase in premiums for approx 5 years after the claim.

For me home insurance would only be claimed on in the event of major loss eg fire , flood , burglary etc.

McKneff , you also advise the OP to call their insurers to ask what their tv claim would do to their future premiums but havent I read on this very site before that insurers may log this call as a "incident" on the OP's policy even though they didnt go ahead with the claim?

Im almost sure I read this...

forgotmyname

How old is the TV? Value £5 - £50?.

Is there an accidental damage excess?

+ Increase in premiums for 5 years.