Insurance claim for carpet

Soulja85

Hi all, 

I decided to do some painting and knocked the bloody paint tin over and now my carpet has a lovely paint stain on it. I'm wondering if I was to claim on the insurance would they also replace the carpet on the stairs and landing? My living room is open and leads to the stairs and all has the same carpet.

I'm just weighing up the pros and cons of if I should bother with claiming or not. 

Thanks. 

TELLIT01

HIghly unlikely I would think.  Presumably there is a threshold of some kind between the living room and the hall, not continuous carpet.  They would only pay to replace the damaged item i.e. the living room carpet.

pramsay13

If you have accidental cover on your contents policy (carpet it contents rather than building) you can claim.

You will need to weigh up whether it is worth claiming given the cost of the carpet v the excess and possible increased premiums. 

If you have a continuous carpet you could maybe argue to get the whole thing replaced but if there is a join then you will only get a replacement for the room where the issue is.

Soulja85

My contents excess is £100 but apparently for the added extra which includes accidental claims my excess is £250.

My living room is roughly 26ft by 16ft so I'm guessing I'd probably be better off claiming on my insurance as it will probably be a fair bit more than £250 to re carpet my room. 

paddyandstumpy

FOS guidance states they should also pay 50% contribution to undamaged items forming part of a set.
 You may need to remind them of this obligation though.

Soulja85

paddyandstumpy said:

FOS guidance states they should also pay 50% contribution to undamaged items forming part of a set.
 You may need to remind them of this obligation though.

Without trying to sound like a complete idiot.... What is FOS?

Also do you have a link to the info?

Thanks

David_Watts2

FOS = The Financial Ombudsman Service, here's a link to a page that mentions matching sets and carpets specifically. I don't think it's clear cut that they will regard your carpets as forming part of a matching set.
<can't post links due to being "new", I googled "fos guidance matching sets" and looked at the first result>
If you could say who you're insured with and the type of cover you have (or post a link to the PDF of the policy document fot the cover you have) it might be easier to give an accurate view on where you stand. The more "top of the range" you've gone, the better chance you have of getting fuller cover for matching sets and suites.

Soulja85

I'm with policy expert. Thanks for helping. 

David_Watts2

See point 4 on page 30 re "Pairs, sets and suites", in particular the bit about NOT paying for an undamaged carpet in adjoining rooms. I think you'll have to settle for just the carpet in the room in question being covered by your policy.

Soulja85

Is the stairs classed as an adjoining room? Would a door not separate a room?

davidmcn

I doubt you're going to find any definitive law or other guidance on this, though I'd suggest that it's not unusual to have different floor coverings on stairs, even if they are open plan to a room.