New for old con?

Far1974

Hi all
need your help again. We insured our tv for £2k and listed it specifically as a high risk item on our insurance. Husband cleverly dropped it whilst decorating 😡

halifax as saying they will only pay out £429 !!!

it was a curved 3 d Samsung and they said they can’t get them any more so offering a pittance x

am I totally confused? Why only offer that amount and why list high risk items and pay a higher premium? 

Thank you 

Aretnap

New for old doesn't mean they'll pay the original purchase price; it means that they'll provide a replacement of the same spec (or cash equivalent). If the exact model is not available they should looking at the nearest currently available model in terms of spec.
Obviously the way prices of electrical items go this is unlikely to mean you get the original purchase price unless you bought the TV very recently. A TV that was top of the range and cost £2K 5 years ago would likely be a much cheaper mid range model nowadays. 
They should however be paying enough for you to buy a TV of similar spec to the one that was broken, so are they providing that? If not your first step should be to find a TV that you think would be a fair replacement, and ask for the price of that. 
(Also you don't say whether the £429 is before or after they deduct your excess, but remember that will be factored into your claim either way). 

Far1974

Thank you aretnap 

they are saying as they can’t get 3D or curved tv then this is as good as we will get.

the price quoted us before the £100 excess.

but sad about it tbh

dunstonh

We insured our tv for £2k and listed it specifically as a high risk item on our insurance. Husband cleverly dropped it whilst decorating 😡

That is what they all say.

it was a curved 3 d Samsung and they said they can’t get them any more so offering a pittance x

Which was a gimmick and a £429 tv bought today could give the same quality.

lisyloo

Have you done any research?
can you get a similar model?
if you cant how much is the nearest comparable that’s at least as good in terms of spec?
i.e. if their offer ok or not.
if it’s not then dispute it but you’ll need some evidence to point to I.e.what a comparable tv will cost.

TSx

Whilst 3D isn't available generally, I would expect them to be able to find a TV with a curved screen, and I think it's distinctive enough of a feature that they should be including it (e.g https://www.argos.co.uk/product/9190540)

This 'con' works both ways - jewellery will generally go up in value, so you'd often receive more than you paid for it if you needed to make a claim there. Unfortunately, electronics drop in price constantly so you'll always find you'll get less as time goes on.

Sandtree

As others have mentioned, the trick is not to focus on the price (last years flagship product is this years middle of the range and the year before's is now entry level) but to focus on the features it had and ensure what they offer reflects those. 

I would imagine they are looking at something like this Samsung 55" curved 4K TV which AO sell for £499.

Both curved screens and 3D have gone out of fashion in recent years and so there are limited options with these. What has come in is HDR, Dolby Vision etc and I would say certainly overall improvements... though I did like the curved screen in 65"+ type sizes even if it was snake oil.