Accidental cover worried about making a claim

paddyandstumpy

Sandtree said:

paddyandstumpy said:
What was the question asked about previous claims and losses? 

Home insurance typically don't ask about "losses"... in theory every chipped plate, drop of coffee spilled etc are losses

From the CTM website, just now:

"Have you or anyone living in the house made any home insurance claims or suffered any losses in the last 5 years?"

I won't check the other aggregators but presume the same or similarly worded question. 

What has prompted the OP to take out the cover is a series of losses to their families mobiles. 

It's precisely why the question is worded as such; to flesh those out who are more likely to claim. 

Bazrazmataz10

Sandtree said:

paddyandstumpy said:
What was the question asked about previous claims and losses? 

Home insurance typically don't ask about "losses"... in theory every chipped plate, drop of coffee spilled etc are losses

Bazrazmataz10 said:

Looks about 1600 for a modern day equivalent

The insurers may not be so optimistic, prices normally fall much faster than that.

As to it being so close to inception... it'll be a red flag and its likely they'll kick the tyres harder than if you'd been a customer claim free for 4 years etc. Insurers don't have exclusion periods on Home insurance and its just about if they can gather sufficient evidence of fraud to decline the claim

I don't understand what would look fraudulent I've got a non functioning laptop that's been on the floor it even has a rattle of something loose inside , I have all the original bills and can prove long term ownership. They can kick the tyres as much as they want I would hope they can regonise a genuine accident.

Sandtree

paddyandstumpy said:

Sandtree said:

paddyandstumpy said:
What was the question asked about previous claims and losses? 

Home insurance typically don't ask about "losses"... in theory every chipped plate, drop of coffee spilled etc are losses

From the CTM website, just now:

"Have you or anyone living in the house made any home insurance claims or suffered any losses in the last 5 years?"

I won't check the other aggregators but presume the same or similarly worded question. 

What has prompted the OP to take out the cover is a series of losses to their families mobiles. 

It's precisely why the question is worded as such; to flesh those out who are more likely to claim. 

Note that CTM is not an insurance company. Aggregators ask much broader questions because they need to provide the information that all the insurers, brokers, intermediaries etc need hence you'll find both questions and options of answers that don't exist when you click through to the seller.

Bazrazmataz10 said:

Sandtree said:

paddyandstumpy said:
What was the question asked about previous claims and losses? 

Home insurance typically don't ask about "losses"... in theory every chipped plate, drop of coffee spilled etc are losses

Bazrazmataz10 said:

Looks about 1600 for a modern day equivalent

The insurers may not be so optimistic, prices normally fall much faster than that.

As to it being so close to inception... it'll be a red flag and its likely they'll kick the tyres harder than if you'd been a customer claim free for 4 years etc. Insurers don't have exclusion periods on Home insurance and its just about if they can gather sufficient evidence of fraud to decline the claim

I don't understand what would look fraudulent I've got a non functioning laptop that's been on the floor it even has a rattle of something loose inside , I have all the original bills and can prove long term ownership. They can kick the tyres as much as they want I would hope they can regonise a genuine accident.

Their question will be did you buy the insurance and then drop the laptop or did you drop the laptop and then buy the insurance.

There is no point in them putting in an exclusion period like they do with Pet for example as you could live with your laptop damaged for a month but not many would wait that long with a sick pet.

paddyandstumpy

Sandtree said:

paddyandstumpy said:

Sandtree said:

paddyandstumpy said:
What was the question asked about previous claims and losses? 

Home insurance typically don't ask about "losses"... in theory every chipped plate, drop of coffee spilled etc are losses

From the CTM website, just now:

"Have you or anyone living in the house made any home insurance claims or suffered any losses in the last 5 years?"

I won't check the other aggregators but presume the same or similarly worded question. 

What has prompted the OP to take out the cover is a series of losses to their families mobiles. 

It's precisely why the question is worded as such; to flesh those out who are more likely to claim. 

Note that CTM is not an insurance company. Aggregators ask much broader questions because they need to provide the information that all the insurers, brokers, intermediaries etc need hence you'll find both questions and options of answers that don't exist when you click through to the seller.

Ok. From the Direct Line website: 

TELLIT01

The insurance meaning of 'loss' may be very different to that of the general public.  To Joe Public 'loss' is precisely that - "I do not know where an item is" whereas to the insurer 'loss' generally means 'no longer have the use of' rather than 'do not know where it is'.

Bazrazmataz10

Their question will be did you buy the insurance and then drop the laptop or did you drop the laptop and then buy the insurance.

There is no point in them putting in an exclusion period like they do with Pet for example as you could live with your laptop damaged for a month but not many would wait that long with a sick pet.

So i answer No and then they just decide to believe me or not is it that straight forward ?

csgohan4

if you make a claim, the insurer may want to have a look at the laptop, they will examine it to see when it was last used which can be recoverable. Just because it doesn't turn on, doesn't mean the hard drive cannot be recovered. If you wipe the hard drive before giving it to them, that will make it even more suspicious. 

rs65

Bazrazmataz10 said:

They did ask this but ive only claimed once on holiday insurance , ive never claimed on home insurance as ive not always taken it out.



Thanks for the reply just to clarify I only just took out the entire policy , I've not had any contents insurance for 18 months just I moved and didn't renew with a different supplier. I've fully disclosed a previous claim from 2018 when a phone was stolen on holiday and we used the home insurance as the holiday insurance wasn't playing ball. I'm obviously not gonna tell any insurance company my kids have no sense of looking after stuff.

Which one?

greyteam1959

As I said before in my earlier post get a quote for repair to the laptop before contacting your insurance company.
It may only cost £20 to repair.

Bazrazmataz10

greyteam1959 said:

As I said before in my earlier post get a quote for repair to the laptop before contacting your insurance company.
It may only cost £20 to repair.

dude i used to build computers for a living the onboard graphics processor dye is broken ,