Warranty claim declined.

john432

So as title, I have had 2 separate claims declined for a extended warranty on furniture.  The warranty people say not covered as it's normal wear ad tear.
So just want to check as the claims have been declined, when I do car and house insurance and specifically on the question "have you had any claims refused etc", my warranty furniture does not need to be declared on car and house insurance?

Exodi

The question is usually whether you have had insurance or insurance claims refused, cancelled or voided, as it indicates to an insurer that there might be important details they are not aware of, potentially making the claimant higher risk.

Making (un)successful claim on a manufacturers warranty is completely irrelevant to this, and insurers plainly couldn't care less.

DullGreyGuy

First of all is it a warranty/service plan or an insurance policy? These things can be either

Secondly, I'd argue that this is one of the wooliest questions out there as generally they are interested in things related to the same family of insurance products and so in that question is normally about special terms applied too and if you start saying to your Motor insurer that your Income Protection policy has placed a special term on hearing loss they wont even let you finish the sentence as they're not interested. 

The reality is if it was decline as its not an insured peril, was below the excess or other such "innocent" reasons they wont be interested. If it was declined because they say you were fraudulant or had defaulted on your premium payments etc then they could be interested. 

If its not insurance its more than reasonable to consider it not relevant to mention else you'd have to declare when you tried to claim benefits but were told you werent eligible etc etc

john432

To clarify, it is a 5 year extended warranty, taking out at time of purchase paid for in one payment, ie an extra cost as part of the purchase.  I basically have what I feel is worn furniture, so poorly manufactured, so my extended warranty have not accepted my claim saying no fault found and it is normal wear and tear.
Ironically  if I had spilled red wine on furniture or paint on item I would of been covered. 

Ayr_Rage

Ironically if I had spilled red wine on furniture or paint on item I would of been covered. 

Yes, you would HAVE been covered, but also would have needed to declare the claim on future insurance renewals which could increase your premium.