Content insurance claim

Skintsaver

I had a fire recently and it damaged several items. 2 items being within my shed an bike and Tumble dryer.

Regarding the bike they've offered an voucher of the value of a bike which looks similar spec so am happy with this, though should I be accepting their first offer?

However regarding the Tumble Dryer I'm more than happy with their replacement model they've picked. However I don't really require an tumble dryer (very seldomly use it) hence why it was being stored in my shed, do you think I could ask for a voucher or preferably cash for the value of the Tumble dryer? Also until the shed is replaced(which is a different issue) I don't have anywhere to store it.

lisyloo

You can definitely ask.
A cash offer is likely to be less because they will get a discount on bulk buying vouchers (or appliances) but that may still be more convenient for you.

XRS200

Skintsaver said:

Regarding the bike they've offered an voucher of the value of a bike which looks similar spec so am happy with this, though should I be accepting their first offer?

What are you hoping the second offer will be?

Skintsaver

XRS200 said:

Skintsaver said:

Regarding the bike they've offered an voucher of the value of a bike which looks similar spec so am happy with this, though should I be accepting their first offer?

What are you hoping the second offer will be?

You don't usually accept the first offer. But I guess this isn't negotiable

BarelySentientAI

Skintsaver said:

XRS200 said:

Skintsaver said:

Regarding the bike they've offered an voucher of the value of a bike which looks similar spec so am happy with this, though should I be accepting their first offer?

What are you hoping the second offer will be?

You don't usually accept the first offer. But I guess this isn't negotiable

It is negotiable if you think they've got something wrong - but you've said that the offer is right.

You're not selling a used car.

And you can't just negotiate by saying "nope, give me more", it would be by pointing out that the offer is incorrect for a particular reason, like the wrong spec.

DullGreyGuy

Skintsaver said:

XRS200 said:

Skintsaver said:

Regarding the bike they've offered an voucher of the value of a bike which looks similar spec so am happy with this, though should I be accepting their first offer?

What are you hoping the second offer will be?

You don't usually accept the first offer. But I guess this isn't negotiable

You'd have to have an argument as to what's wrong with their offer. Remember also that sometimes on review they can decide their first offer was too high and reduce it. 

Skintsaver said:

However regarding the Tumble Dryer I'm more than happy with their replacement model they've picked. However I don't really require an tumble dryer (very seldomly use it) hence why it was being stored in my shed, do you think I could ask for a voucher or preferably cash for the value of the Tumble dryer? Also until the shed is replaced(which is a different issue) I don't have anywhere to store it.

You can ask for either, cash is likely to be discounted to represent their corporate discount whereas a Curry's or equivalent voucher would have a similar face value (how much they paid for it is of no relevance to you)