Dog Chewed AirPods - Is An Insurance Claim Worthwhile?

Twointhebush

Our new puppy has chewed one of my AirPods. Has anyone had success in claiming insurance for something like this? We have Dog Insurance and household insurance. Our experience of claiming dog insurance for things like operations hasn't been too positive in the past. Would this likely lead to the insurance company just blacklisting the dog? A previous dog just showed his teeth to the vet during a check up and was thereafter labelled dangerous and pow, we didn't have 3rd party cover for him.

Ebe_Scrooge

If you've got Accidental Damage cover on your house contents insurance then this would cover it. But bear in mind you'll have your excess to pay, and your premiums for the next couple of years will be increased because you've made a claim. I've no idea what the value of airpods is, but you need to work out whether it's worth making a claim after calculating the combined cost of the excess and increased premiums.

TadleyBaggie

New AirPods are around £150, probably not worth claiming. You can get a single used AirPod on eBay for £50 or less.

FutureGirl

You might find there is an exception on your policy for damage caused by pets.

Check your policy wording before calling the insurer.

Mrsn

Lots of policies have clauses regarding damage by pets especially dogs.

As others of said it would be wise to weigh up how much the claim will cost long term and whether replacing them outright would be a better idea

Aretnap

Indeed, damage caused by pets is a common, perhaps even standard, exclusion in household policies. Which is fair enough really - if you have dogs or cats then having some furniture scratched or personal possessions chewed is par for the course, and insurance is intended to cover things that might happen, not things that almost certainly will happen. So check the wording, but even if you have accidental damage cover it's unlikely that your home insurance will cover it.

Pet insurance meanwhile will typically cover your liabilities to third parties, ie if the dog injures someone or damages someone else's property, but it won't normally cover damage to your own property caused by the dog.

So I suspect that you'll find that this is not covered by insurance, before we even get into the question of whether claiming for it would make financial sense.