Is TV covered, suspect damaged by roof leak

minority

Aretnap said:

JJ_Egan said:

Work out your excess before putting in a claim .

The usual is a like for like re age etc not a new TV .

All but the cheapest, nastiest policies will provide new for old cover.

That means a new TV of equivalent spec - so a TV that was expensive and top of the range ten years ago might be equivalent to a cheaper mid range model now. But it does mean a new TV not an old/second hand/refurbished one. 

That's interesting I am in a similar issue with my TV except my tank exploded and flooded the whole house.

TV was bought in 2017 and was pretty high spec 4k 10bit etc I thought it would be equivilant value not spec which I guess is dumb of me.

Is there an options to contribute on top for better model as I can afford it but never planned on needing a new TV or soundbar.

Sandtree

minority said:

Aretnap said:

JJ_Egan said:

Work out your excess before putting in a claim .

The usual is a like for like re age etc not a new TV .

All but the cheapest, nastiest policies will provide new for old cover.

That means a new TV of equivalent spec - so a TV that was expensive and top of the range ten years ago might be equivalent to a cheaper mid range model now. But it does mean a new TV not an old/second hand/refurbished one. 

That's interesting I am in a similar issue with my TV except my tank exploded and flooded the whole house.

TV was bought in 2017 and was pretty high spec 4k 10bit etc I thought it would be equivilant value not spec which I guess is dumb of me.

Is there an options to contribute on top for better model as I can afford it but never planned on needing a new TV or soundbar.

Many insurers these days simply give you a gift card with £X on it for Currys or whoever their chosen supplier is and therefore you can spend the money on whatever you want there and contribute extra or hold off and wait for the sales etc.

Ultimately check with your insurer on what their settlement approach is as some do appoint suppliers to give direct replacements but most will still allow you to contribute extra.

mattyprice4004

jaydmooooo said:

Aretnap said:

JJ_Egan said:

Work out your excess before putting in a claim .

The usual is a like for like re age etc not a new TV .

All but the cheapest, nastiest policies will provide new for old cover.

That means a new TV of equivalent spec - so a TV that was expensive and top of the range ten years ago might be equivalent to a cheaper mid range model now. But it does mean a new TV not an old/second hand/refurbished one. 

The main thing we need is built in Freesat and 43" spec wise. But not sure how they decide like for like brand. Ours is Panasonic so I wouldn't want the equivalent Philips for example. 

They're both fairly middle of the road brands - but you'll likely get a gift card to spend in a shop as said in another post.