I have insurance on my watch from Goldsmiths ROP

*Kat*

the leather strap of my watch is goosed, it will cost £50 to replace, but I do have insurance from Goldsmiths (5 year cover).

However, we have just bought a house and I took out buildings/contents insurance.

If I claim for my watch, does that mean that the question regarding "have you made a claim" I would have to answer yes? Or does that just mean if I make a claim on my home/contents insurance?

Just trying to figure out if it's better to just buy a new strap than claim

rs65

When you say goosed, is it just worn or is it damaged?

If just worn, then it wouldn't be covered on home insurance so no need to mention it.

*Kat*

rs65 wrote: »

When you say goosed, is it just worn or is it damaged?

If just worn, then it wouldn't be covered on home insurance so no need to mention it.

Just worn, it's starting to split so needs replaced.

McKneff

I would just buy a new strap, or claim from the jeweller,
Check to see if there is and excess or even if the strap is covered. It may well not be.


You wouldn't need to disclose this to any renewal on house insureance.

shop-to-drop

Goldsmiths insurance definitely doesn't cover wear to strap. It is just a running cost of your watch, like a battery or service.

*Kat*

McKneff wrote: »

I would just buy a new strap, or claim from the jeweller,
Check to see if there is and excess or even if the strap is covered. It may well not be.


You wouldn't need to disclose this to any renewal on house insureance.

Yeah, I would claim through Goldsmiths - it wouldn't be on my home/contents insurance I would claim.

I got the insurance because they cover the strap, I knew it wouldn't last that long so wanted to make sure I could get it replaced. I wasn't sure if other insurance had to be declared on home insurance quotes etc

InsideInsurance

Its a warranty issue and so typically wouldnt be something that you need to declare to a home insurer as its not a peril that any of them cover.

Happypax

*Kat* wrote: »

the leather strap of my watch is goosed, it will cost £50 to replace, but I do have insurance from Goldsmiths (5 year cover).

However, we have just bought a house and I took out buildings/contents insurance.

If I claim for my watch, does that mean that the question regarding "have you made a claim" I would have to answer yes? Or does that just mean if I make a claim on my home/contents insurance?

Just trying to figure out if it's better to just buy a new strap than claim

Is this a joke? Just put your hand in your pocket if it's a 50 quid strap. Claiming for stuff like this on insurance is just ridiculous and why premiums are so high these days.

Bonfire_Bride

Happypax wrote: »

Is this a joke? Just put your hand in your pocket if it's a 50 quid strap. Claiming for stuff like this on insurance is just ridiculous and why premiums are so high these days.

Seriously? Who are you to judge what people can/cannot afford? £50 may be a lot to some people or other bills need to take priority.

This is WHY people pay insurance premiums - fraudulent claims are the ones hiking premiums? The OP has paid the premiums...why on earth shouldnt they claim?

stugib

Happypax wrote: »

Is this a joke? Just put your hand in your pocket if it's a 50 quid strap. Claiming for stuff like this on insurance is just ridiculous and why premiums are so high these days.

Signs up, resurrects an old thread, doesn't read the OP properly. A cracking start, welcome.