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Household insurance excess cover. To claim or not?

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Hi, one of my bifold doors shattered due to thermal stress. Not sure whether or not to claim on my insurance.  It'll cost about £200 to replace. Got a free £250 excess policy with Go Compare. Just worried that it may push up future home insurance renewals. Any advice greatly received.

Comments

  • sammyjammy
    sammyjammy Posts: 7,950 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    It will no doubt push up future renewals as you will have to declare it, if your excess is £250 and it will cost less than that why would you put in a claim?
    "You've been reading SOS when it's just your clock reading 5:05 "
  • DullGreyGuy
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    You'd need to read what happens to your excess cover if the claim is below the excess amount, with many policies a claim below the excess value isn't covered by the excess insurance either
  • maimee_magic
    maimee_magic Posts: 396 Forumite
    Part of the Furniture Combo Breaker
    Because I've got a policy from Go Compare which refunds my excess.
  • DullGreyGuy
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    edited 30 July 2024 at 1:31PM
    Because I've got a policy from Go Compare which refunds my excess.
    But you won't be paying your excess because the claim is too small so will be declined. 
  • XRS200
    XRS200 Posts: 237 Forumite
    100 Posts Name Dropper First Anniversary
    Was this thermal stress or a nickel sulphide inclusion?  If so, insurance may not cover it.
  • maimee_magic
    maimee_magic Posts: 396 Forumite
    Part of the Furniture Combo Breaker
    Thanks for all the information. Think I'll just pay it myself and not go through the insurance.
  • maimee_magic
    maimee_magic Posts: 396 Forumite
    Part of the Furniture Combo Breaker
    XRS200 said:
    Was this thermal stress or a nickel sulphide inclusion?  If so, insurance may not cover it.
    I've no idea tbh. Just came home and it was shattered on the inside.
  • DullGreyGuy
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    XRS200 said:
    Was this thermal stress or a nickel sulphide inclusion?  If so, insurance may not cover it.
    I've no idea tbh. Just came home and it was shattered on the inside.
    Which would be another problem, most Home insurance is written on a Defined Perils basis and so to successfully make a claim you have to prove that Fire, Flood, Subsidence etc are the cause of the damage. If you are lucky Accidental Damage can be so broadly defined to cover "unknown" events but most aren't. Plus you also raise the question of if it's a manufacturing or installation defect, both of which are excluded perils. 
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