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  • FIRST POST
    • cypher007
    • By cypher007 17th Aug 19, 5:56 PM
    • 315Posts
    • 39Thanks
    cypher007
    after holiday 2 appliances dead, can i claim on contents?
    • #1
    • 17th Aug 19, 5:56 PM
    after holiday 2 appliances dead, can i claim on contents? 17th Aug 19 at 5:56 PM
    ok been away on holiday for nearly 4 weeks. came home turned on Miele W5740 washing machine and it came on started its program, with an empty drum to give it a clean, then the whole thing went dead. so waited turned on started then same thing dead no error no lights. so unplugged left for about 4 hrs then tried again. this time it may have done a full cycle as we went out and on return there was no water inside. so tried again with clothes the next day few minutes in dead again.

    the missus then hand washed the clothes and tried to use the spin program, there was a knock and then apparently a whizzing sound and technical fault in the display. sounds like the belt has broken. ive phoned Miele as we have a 10 year warranty on it and they say they cant send an engineer until the 27th. this has !!!!ed me off big time, basically 12 days to have an engineers visit.

    anyway thought that would be the end of the weirdness. we then tried to dry some clothes in our Siemens Heat Pump dryer, and yep same problem with it working for a while then cutting out. I put a watt meter on it and it seems the supply is constant so not an issue with a breaker not quite tripping. again I have to turn off the appliance for a while then try again but it will not run a full drying cycle.

    now im pretty smart when it comes to electronic and electrical devices as ive been an electrical engineer and it tech. so to me it seems like while we were away there has been a lightening hit or spike that's raosted the appliances pcb's?

    can I claim through my house contents? as one appliance I could put down to bad luck but 2?
Page 2
    • cypher007
    • By cypher007 2nd Sep 19, 8:59 PM
    • 315 Posts
    • 39 Thanks
    cypher007
    has anyone actually claimed successfully for this sort of damage? I have full accidental contents insurance. I just dont want to spend £45 on an engineer only to find they still reject the claim.
    • paddyandstumpy
    • By paddyandstumpy 3rd Sep 19, 8:11 AM
    • 1,280 Posts
    • 766 Thanks
    paddyandstumpy
    has anyone actually claimed successfully for this sort of damage? I have full accidental contents insurance. I just dont want to spend £45 on an engineer only to find they still reject the claim.
    Originally posted by cypher007
    You still haven't established what caused the loss, so no-one can tell you if they have successfully claimed.

    HH insurance is a defined perils based policy, you have to prove to insurers a valid loss against one of the insured perils has occurred.
    • lisyloo
    • By lisyloo 3rd Sep 19, 8:31 AM
    • 25,441 Posts
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    lisyloo
    I think itís touch and go on this one.
    You will experience increases in your insurance for the next few years if you claim plus the excess, so itís border line whether an £800 claim is worth it.

    Can I ask what you pay for your insurance?
    Asking as it could be £200 or £1000 and that might affect the maths.

    I would probably not bother but my home insurance is at the more expensive end of that range, so increases would be nominally larger.

    There is a point at which it simply isnít worth claiming with any insurance and for £800 Iím not sure. Youíd need to do more detailed maths and possibly get quotes with and without the claim to see the difference.
    • cypher007
    • By cypher007 3rd Sep 19, 9:07 AM
    • 315 Posts
    • 39 Thanks
    cypher007
    paying £377. and that's for everything turned on so to speak. home emergency accidental damage etc.


    I know what you mean as my son broke a tablet and it was cheaper for me to fix it than claim. they still marked it on our file though.
    • lisyloo
    • By lisyloo 3rd Sep 19, 9:22 AM
    • 25,441 Posts
    • 13,644 Thanks
    lisyloo
    Hmm...close run thing
    I think what I’d do is research the price of new item, check excess and check increase in premium.
    You can check the increase by getting a quote with and without the claim and NCD, I’d do this for a close by but different address, false name, phone number and email. Some people have run into trouble doing this sort of thing with real details as your this information is used for fraud detection and you could later get asked about the claim if you tie it to your address.

    Bear in mind the increase in premium might last a couple of years, but a lesser degree in years 2 and 3.

    That should give you an idea.
    Bear in mind that getting the report is hassle (someone will have to wait in for engineer) plus there’s a risk claim will be denied or increase could be larger than forecast.

    Also could the tumble dryer be fixed for a lesser amount than getting a new one?
    • sal_III
    • By sal_III 3rd Sep 19, 12:28 PM
    • 1,395 Posts
    • 1,345 Thanks
    sal_III
    I would pay £45 for someone to see what's wrong and give me and estimate for the repair.

    Then would base my decision comparing the cost of the repair not the new replacement whether it's worth claiming on the insurance or not.

    Even if you decide not to claim, you will have to pay some money to asses the damage, as repairing will most likely be cheaper than buying a replacement.
    • lisyloo
    • By lisyloo 3rd Sep 19, 1:37 PM
    • 25,441 Posts
    • 13,644 Thanks
    lisyloo
    Bear in mind insurance is new for old, so you get a new machine if you claim.

    If you repair you will end up with a second hand machine that’s x years old.
    If you replace you’ll get a new machine.

    The value to compare therefore is the new value.
    • cypher007
    • By cypher007 9th Sep 19, 10:19 PM
    • 315 Posts
    • 39 Thanks
    cypher007
    Update.

    After contacting policy expert again. They have now seemingly, after initially saying they don’t have anyone to asses the machine, got a company called bevalued. Yes I’ve read the reviews so not expecting this to go well.

    They have instructed a local, 30 miles away, company that specialise in tv and video repair to come and asses what’s wrong and if it is repairable. Hmm. Next questions are:

    1) can the insurer insist its repaired?

    2) I thought new for old was new for old. If they press this can I counter with “only if they are a Siemens approved company” ?

    3) how the !!!! is a video repair company going to figure out what wrong with a tumble dryer?

    P.s. in reference to repairing it and not claiming. The new control board is £300 from Siemens uk, or 230 euros from Siemens Germany. Got a love being in the eu. And that’s without fitting.
    Last edited by cypher007; 09-09-2019 at 10:22 PM.
    • Calpol4life
    • By Calpol4life 9th Sep 19, 10:34 PM
    • 77 Posts
    • 196 Thanks
    Calpol4life
    Miele should last 10 years at least... so you done the right thing deciding on appliance....

    They are normally pretty good at in warranty repairs.... stick with meile and avoid insurance..... they are normally very, very good for honouring repairs for defects....
    • Calpol4life
    • By Calpol4life 9th Sep 19, 10:36 PM
    • 77 Posts
    • 196 Thanks
    Calpol4life
    Also Siemens....

    You must be a baller...

    Both are great for service??? You are misusing or are very unlucky.

    Both are top end, so, you should expect top end service.... thatís what your paid for after all.....
    • cypher007
    • By cypher007 9th Sep 19, 11:52 PM
    • 315 Posts
    • 39 Thanks
    cypher007
    Yeah did the whole candy zanussi thing. Then decided to stop wasting money.

    The Miele has been fixed under the 10 year warranty it had. Alas the Siemens only had a five year warranty, but is now 9 years old.

    As mentioned in original post, no misuse just bad luck with either a lightening strike near the house or power surge. Both appliances knocked out while away on holiday.
    • cypher007
    • By cypher007 10th Sep 19, 8:51 PM
    • 315 Posts
    • 39 Thanks
    cypher007
    Update
    Video repair company visited. Just looked at the condition of the machine took some pics. I said what it was doing and he said yeah there’s been a lot of storms in the area. He said he would send the details to the insurer and see if they want to repair or replace.

    Now bearing in mind they don’t normally repair tumble dryers, and the fact no one has actually tested all the other electronics that are in the machine e.g. large capacitors and mains filters not to mention a compressor, I think I will be contacting the insurance ombudsman if they want a video repair company doing it.
    • cypher007
    • By cypher007 15th Sep 19, 10:15 PM
    • 315 Posts
    • 39 Thanks
    cypher007
    Hmm seems after phoning bevalued the video repair company thinks itís repairable. Thatís without testing any other components, and this machine has a lot due to being a heat pump type.

    They are still waiting for the manager at the video repair place to sign off the report. Then Iím guessing bevalued will decide if itís repairable based on the cost of a repair.

    I will see what policy expert have to say and if I donít get anywhere will go to the insurance ombudsman.
    • TSx
    • By TSx 16th Sep 19, 1:24 AM
    • 793 Posts
    • 553 Thanks
    TSx
    Whilst you're perfectly entitled to go to the ombudsman, don't expect much - they are entitled to repair as the first option, as per the policy wording. If the repair fails, you'll have a better argument. If you aren't happy with the company doing it, you could ask if they'll give you the cash that the repair would cost, less your excess, and use this to put towards a new dryer.
    • cypher007
    • By cypher007 7th Oct 19, 10:28 PM
    • 315 Posts
    • 39 Thanks
    cypher007
    Update the saga continues.

    Well the insurance agreed to replace and started off offering a machine that was half the price of my original one. Not surprised. Anyway I pointed out it didn’t have a self cleaning condenser and suggested the iq300 they agreed and AO delivered. And it was faulty, I phoned Siemens who sent an engineer who confirmed it. So Phoned AO who said they wouldn’t change till checked with Siemens, strange thought within 30 days was exchange or refund. Anyway AO delivered another one this Saturday, this one had been opened. Turned on same fault but worse. So phoned AO, we’ve go to send an engineer to confirm. Ok so today I’m waiting for a call 30 mins before he arrives, no call leaves a card.

    I start going mental at AO who are still insisting on an engineer visit. Anyway In the mean time I was wondering why the new dryer seemed like a cheap knock off compared to my old one. Turns out my old one is an iq700. Which according to siemens is a premium heat pump dryer. So now I think I will attempt to get this one, as they still make an iq700, rather than play change the budget dryer with AO. Strangely when I phone AO sometimes they answer bevalued or AO eBay.
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