Contents Insurance - Ceramic Hob

Chickenman1108

Hi all,
I am currently renting a property and I've just managed to drop a heavy jar on my glass/ceramic hob. Result: a badly cracked hob (with a big lump missing too).
I have contents insurance (with accidental damage cover) but the policy wording is very vague so I'm not sure if something like this would be covered?
I don't own the hob. It is built into the kitchen worktop. So I'm not sure if this would be a claim on my contents insurance or a claim on my landlords building insurance?
Obviously if it means a claim on my own then I will have to pay the excess - but I do not have any receipts etc for the hob (as it's not mine) so I'm not sure my insurer would do anything even if it is included in my cover. Do you have to provide sales invoices for such things when you make a claim? I couldn't even tell them the exact model number as I was given no documents for any of my appliances when I moved in (landlord said he didn't have any).
Landlord is a decent guy and may not even expect me to cover this, but I'm hoping to move out in about 6 months time so I'm trying to fly under the radar so as to avoid a rent increase (my tenancy is due for renewal next month).
Can anyone advise?
Many thanks

comeandgo

I did exactly same as you but my hob was replaced using building insurance. I was told if you were to turn house upside down and shake it things that have moved are contents.

Chickenman1108

Hi Comeandgo - thanks for your response.
Are you a tenant? If so, I guess it was your landlords buidings insurance - were the ok about it?

FutureGirl

Firstly, do you have Accident damage cover?

Secondly, who are you insured with? Some contents polices provide 'tenants liability' cover, where you would be covered for some aspects of the buildings that your tenancy makes you responsible for (though depends on the wordings).

Blibble

In respect of substantiation, seeing the hob itself is usually proof enough; the insurer will likely send a company round to validate the nature of the damage.

I'd have thought the hob is a content, and any worktop / counter repairs required is a building's claim, in the same way that an in-built washing machine is a content (although it doesn't move if you shake the house upside-down).

comeandgo

We own our house and had both insurance with same company so left it to them to decide which policy, they decided buildings.