is this accidental damage?

stashmycash

My husband finally got round to putting a new bath in that we have had in storage for a couple of years. Unfortunately when he was putting it in he caused a slight crack. It does not leak but looks unsightly.
Could we claim for this as accidental damage under our house and contents insurance?

M0neysav3r

I would say not AD if he was putting the bath in and the movement caused the crack. If however he dropped something which caused the crack then thats different....

Moonbeam39

Agree - but check your own policy wording. If for instance a bottle of aftershave dropped and cracked enamel that would be accidental damage.....obviously however tell the truth to Insurers!

BargainHunterCat

Hello, I work in household/buildings insurance claims, so here's my 2 cents!

I would say this is Accidental Damage. I take it he was trying to install the bath & accidentally caused a crack - the insurer will probably ask exactly how it happened & query this to make sure it wasn't an old bath or already cracked or something.
:A

shelly

stashmycash wrote: »

My husband finally got round to putting a new bath in that we have had in storage for a couple of years. Unfortunately when he was putting it in he caused a slight crack. It does not leak but looks unsightly.
Could we claim for this as accidental damage under our house and contents insurance?

In your shoes I'd be thinking about how much the excess is to claim and how much your policy might go up at renewal against buying a whole new suite for less than £200.

stashmycash

shelly wrote: »

In your shoes I'd be thinking about how much the excess is to claim and how much your policy might go up at renewal against buying a whole new suite for less than £200.

It was an expensive bath so I think it would be worth claiming, also as it is one of those shower baths we may have to get a new screen and panel to match the new bath.

stashmycash

BargainHunterCat wrote: »

Hello, I work in household/buildings insurance claims, so here's my 2 cents!

I would say this is Accidental Damage. I take it he was trying to install the bath & accidentally caused a crack - the insurer will probably ask exactly how it happened & query this to make sure it wasn't an old bath or already cracked or something.
:A

Yes I was and he hit the support stands for the bath. It was very tricky to manovre it in the space.

stashmycash

BargainHunterCat wrote: »

Hello, I work in household/buildings insurance claims, so here's my 2 cents!

I would say this is Accidental Damage. I take it he was trying to install the bath & accidentally caused a crack - the insurer will probably ask exactly how it happened & query this to make sure it wasn't an old bath or already cracked or something.
:A

p.s. I've still got the invoice for it to prove that we bought it new.

shelly

stashmycash wrote: »

It was an expensive bath so I think it would be worth claiming, also as it is one of those shower baths we may have to get a new screen and panel to match the new bath.

Ah right. That makes a difference then, I was just going by the info in your OP

davidwatts

BargainHunterCat wrote: »

Hello, I work in household/buildings insurance claims, so here's my 2 cents!

I would say this is Accidental Damage. I take it he was trying to install the bath & accidentally caused a crack - the insurer will probably ask exactly how it happened & query this to make sure it wasn't an old bath or already cracked or something.
:A

I'd have said it was fairly standard for AD cover to exclude damage arising from any process of installing, altering or repairing so, in the circumstances described, it wouldn't be covered. Unless, of course, the OP is insured with the company you work for!