Groupama contents insurance, own you claimed near them?
Hi, We are with Groupama contents insurance , we have be since Jan last year. We do have inadvertent cover on out items also. My partner was carrying the TV when we moved the day until that time yest and he was placing it on the stand and the stand collapsed and the tv landed on our tiles floor and in a minute it has a a large crack contained by the back of the TV and the screen is smashed. I want to claim but I dont want them to repair the TV as it is more or less 20 years old now, do you dream up it will be replaced or are we best just to buy a new one ourselves to amass the premiums going up?
Answers:
Renters insurance or contents coverage does not cover breakage. It covers fire and breaking and entering.
You need a new tv anyways so might as resourcefully shop around the Christmas specials. Any TV that is that old immediately needs the new digital cable box or you will enjoy no TV next year unless you have cable.
As the TV is 20 years old anyway, it probably won't be worth claiming. Even if they did give you a change payout, it would only be enough to cover the cost of buying a TV equivalent to the one specifically broken, which won't be very much as TV technology has better dramatically over the last 20 years. So unless they can repair it, it will probably be best to buy a new one.
The problem with items like television is that people actually want to use them! This cause a problem for insurers who often like to drag out claims for weeks:
> Phone contained by the claim
> They send out a claim form
> You send it posterior with proof
> Claims department checks it over
> Possibly a repair guy is sent round to see if it can be repaired
> Repair guy sends report back to claims department
> Claims department looks it over
etc. etc.
I wait five months for Direct Line (I've never used Groupama) to replace my TV before eventually just buying one myself. Then Direct Line turned around and refuse to pay out for the claim because "I took away their option of replacing the item" -- apparently you can lone get replacements from their "approved retailers" who they pay directly.
If you don't want to be minus a TV over the Christmas period you'll have to fork it out yourself. With such an ancient TV, you probably won't get much cash from you insurer, replacement might be your best bet cost-wise -- it's whether you want to hang around.
Related Questions:
Answers:
Renters insurance or contents coverage does not cover breakage. It covers fire and breaking and entering.
You need a new tv anyways so might as resourcefully shop around the Christmas specials. Any TV that is that old immediately needs the new digital cable box or you will enjoy no TV next year unless you have cable.
As the TV is 20 years old anyway, it probably won't be worth claiming. Even if they did give you a change payout, it would only be enough to cover the cost of buying a TV equivalent to the one specifically broken, which won't be very much as TV technology has better dramatically over the last 20 years. So unless they can repair it, it will probably be best to buy a new one.
The problem with items like television is that people actually want to use them! This cause a problem for insurers who often like to drag out claims for weeks:
> Phone contained by the claim
> They send out a claim form
> You send it posterior with proof
> Claims department checks it over
> Possibly a repair guy is sent round to see if it can be repaired
> Repair guy sends report back to claims department
> Claims department looks it over
etc. etc.
I wait five months for Direct Line (I've never used Groupama) to replace my TV before eventually just buying one myself. Then Direct Line turned around and refuse to pay out for the claim because "I took away their option of replacing the item" -- apparently you can lone get replacements from their "approved retailers" who they pay directly.
If you don't want to be minus a TV over the Christmas period you'll have to fork it out yourself. With such an ancient TV, you probably won't get much cash from you insurer, replacement might be your best bet cost-wise -- it's whether you want to hang around.
Related Questions: