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home insurance and claiming on a sofa

stutheshaft
stutheshaft Posts: 1 Newbie
in Insurance & life assurance
Afternoon folks, got a problem with my sofa (accidental damage) which I believe is covered on my insurance, however will my insurance company entertain me if the sofa in question is only 6months old and bought through credit...still 18months left on paying for it


TIA!

Comments

  • rs65
    rs65 Posts: 5,682 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Don't see why not. What's your concern?
  • xMonsoonx
    xMonsoonx Posts: 178 Forumite
    They will cover restoration of your sofa or replacement based on the retail cost of a similar sofa (like for like) if it can not be restored.

    Your payments and outstanding credit on the damage sofa is none of the insurers concern and does not form part of your claim. The repayments are between you and the company you have the credit agreement with.
  • forgotmyname
    forgotmyname Posts: 33,069 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 4 January 2016 at 8:14PM
    If its worth £500 and you paid £5000 through credit it wont matter to them its a £500 sofa they will fix or replace.

    With the risk of increased premiums is it cheaper to repair yourself?
    Censorship Reigns Supreme in Troll City...

  • lizziesharples
    lizziesharples Posts: 70 Forumite
    I guess the important question is how damaged is the sofa? What happened? and what would the cost be to put this right yourself?
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