accidental damage

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leedspete_2
leedspete_2 Posts: 163 Forumite
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edited 28 December 2012 at 5:43PM in Credit cards
bought a item from ideal which i part paid using capital one card but unfortunately daughter dropped causing screen to crack.
called capital one to ask about purchase protection and they i wasn't covered but have looked at their website and it says i am covered but i don't know if it for accidental damage

can anyone please help?

many thanks

peter

p.s and i cannot spell accidental sorry
«1

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  • grumbler
    grumbler Posts: 58,629 Forumite
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    edited 28 December 2012 at 5:51PM
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    leedspete wrote: »
    ... have looked at their website and it says i am covered but i don't know if it for accidental damage...
    Is it that hard to quote what it says or just to post a link?

    Capital One offer a range of CCs. I see that their top one does offer "Purchase protection insurance", but it definitely is not the case for all their cards.
  • Buzby
    Buzby Posts: 8,275 Forumite
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    The terms are here:- http://www.capitalone.co.uk/web/images/pdf/purchase_policy.pdf

    You don't say how much was put on the card - 50%, 20% of be purchase price? The gotcha is that this percentage is all they'll pay out.

    Neither do you say what the item was, but if shown in Section 8, you'll be unable to claim for those items.
  • McKneff
    McKneff Posts: 38,830 Forumite
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    You spelled accidental correctly, both times:D
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • dalesrider
    dalesrider Posts: 3,447 Forumite
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    How long ago was the item purchased?

    Many of these card related purchase protection will only kick in if your house ins will not cover the damage.
    Never ASSUME anything its makes a
    >>> A55 of U & ME <<<
  • chattychappy
    chattychappy Posts: 7,302 Forumite
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    McKneff wrote: »
    You spelled accidental correctly, both times:D

    I was always thought I could spell accidental, but I went away thinking I couldn't! Thanks for setting my mind at rest.
  • leedspete_2
    leedspete_2 Posts: 163 Forumite
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    It was £50 off a final price of £200
  • victoria797
    victoria797 Posts: 72 Forumite
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    I dont understand.Isn't Purchase Protection intended for faulty or damaged items where the damage was caused by the manufacturer or the retailer?

    In your case,the damage was caused after you've bought the item,so I'd guess only an insurance policy would cover it?
  • YorkshireBoy
    YorkshireBoy Posts: 31,541 Forumite
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    victoria797 wrote: »
    I dont understand.
    It's really not that difficult. Click the link in post #3 and read the T&Cs for the card in question.
  • victoria797
    victoria797 Posts: 72 Forumite
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    Wow thanks yorkie boy,I am learning new things almost everyday on this forum x
  • chanz4
    chanz4 Posts: 10,898 Forumite
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    so even if they would £50 less £25 would be paid
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
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