TV damage - honest question

diystarter7

robatwork said:

For starters change the thread title to "dishonest question"

Hi

OP, just tell them the truth and see what they say.

Good luck.

Undervalued

jon81uk said:

Although not the most honest, if you were planning on renewing the insurance anyway I don’t think it would be a major issue to renew the home insurance and then claim on accidental damage a few days later. 

It was accidental damage so that’s the best thing rather than trying to defraud the retailer. And assuming you were planning on renewing the insurance anyway it’s probably fine. 

Well it would be a criminal offence so I think that is a "major issue"!

littleboo

jon81uk said:

macman said:

jon81uk said:

Although not the most honest, if you were planning on renewing the insurance anyway I don’t think it would be a major issue to renew the home insurance and then claim on accidental damage a few days later. 

It was accidental damage so that’s the best thing rather than trying to defraud the retailer. And assuming you were planning on renewing the insurance anyway it’s probably fine. 

Yes, it was accidental damage, at which time the OP was not insured, so it would be a fraudulent claim. So definitely not fine.
'I was planning to renew the insurance anyway': that's not how it works...

I know it’s still not “right” but considering they started by talking about defrauding the retailer, claiming after a one week gap in insurance is definitely the lesser of two evils.

Except, its not the lesser of anything, they both amount to the same thing, and it's not "probably fine".

soolin

I don’t know how true it is but certain TV programmes suggest that insurance companies use software to assist In Identifying  fraudulent claims, allegedly this software can detect if the person phoning sounds unusually worried when they make a claim and is worth investigating . Apparently they even check social media and such like to check the claimant out.

If that is the case then perhaps considering fraud and openly posting the scenario on a public site like this is not the best way of getting away with it, however tempting it might be. 

It is also worth remembering that fraud is a serious offence and if caught could mean you having to declare this for years to come when taking out any form of insurance, which cost cost you thousands. 

elsien

diystarter7 said:

robatwork said:

For starters change the thread title to "dishonest question"

Hi

OP, just tell them the truth and see what they say.

Good luck.

It’s pretty obvious what they’ll say. TV was fine when it was delivered, it’s been accidentally broken by the children, it’s not insured so the OP takes the hit.

Debbie9009

Hi OP,

I used to work in insurance and I really wouldn’t recommend making a fraudulent claim, as Soolin has said this could cost you in very expensive premiums and you will find many companies won’t even consider providing you with insurance.

It’s over 10 years since I worked in insurance, but there were methods for detecting fraud, we were all trained in things to look out for when taking a call, tone of voice, too much detail, too little detail etc. We were also taught to look out for certain types of claims at certain times of the year that could indicate fraud.  Any concerns and we could flag these with a specialist team who could investigate further and even appoint an investigator.  I have friends who still work in the industry and this is certainly still the case.  It really wouldn’t surprise me if some type of software as per Soolins post is in use.

I can tell you that on a couple of laptop broken screen cases our repairer was able to detect that the screens were not broken in the way the customer told us, so it’s possible the retailer may be able to do this.

I would think very carefully before making a fraudulent claim either on your insurance or with the retailer.

diystarter7

elsien said:

diystarter7 said:

robatwork said:

For starters change the thread title to "dishonest question"

Hi

OP, just tell them the truth and see what they say.

Good luck.

It’s pretty obvious what they’ll say. TV was fine when it was delivered, it’s been accidentally broken by the children, it’s not insured so the OP takes the hit.

Hi
@elsien

It may be "pretty obvious"  to you, but what else do you want the OP to say when the poster  calls the supplier? Are you saying OP should not cal??
I'm not sure what your point is.

Thanks

diystarter7

Debbie9009 said:

Hi OP,

I used to work in insurance and I really wouldn’t recommend making a fraudulent claim, as Soolin has said this could cost you in very expensive premiums and you will find many companies won’t even consider providing you with insurance.

It’s over 10 years since I worked in insurance, but there were methods for detecting fraud, we were all trained in things to look out for when taking a call, tone of voice, too much detail, too little detail etc. We were also taught to look out for certain types of claims at certain times of the year that could indicate fraud.  Any concerns and we could flag these with a specialist team who could investigate further and even appoint an investigator.  I have friends who still work in the industry and this is certainly still the case.  It really wouldn’t surprise me if some type of software as per Soolins post is in use.

I can tell you that on a couple of laptop broken screen cases our repairer was able to detect that the screens were not broken in the way the customer told us, so it’s possible the retailer may be able to do this.

I would think very carefully before making a fraudulent claim either on your insurance or with the retailer.

Hi

Thanks for that but the bottom line for most people and as I said in my initial post here, "tell the truth."

Thanks

Gavin83

soolin said:

Apparently they even check social media and such like to check the claimant out.

If someone is stupid enough to write on Facebook that they’re putting in a fraudulent claim with their insurer they deserve everything they get.

diystarter7

Gavin83 said:

soolin said:

Apparently they even check social media and such like to check the claimant out.

If someone is stupid enough to write on Facebook that they’re putting in a fraudulent claim with their insurer they deserve everything they get.

But some do and I agree with what you said.