Is near any point to making a claim on my housing insurance?
My son dropped my camcorder last night & have broken it. The camcorder is 4yrs old now but be in very honourable codition before my son dropped it, would i be best to claim or just buy a in a minute one? If i do claim would i get a new one or what happen, never had to claim on my insurance before?
Answers:
Insurers take a dim scene on accidental damage claims as they are see as a sign of carelessness (increased rick of claims). If I were decide whether or not to claim i would do a couple of quotes for insurance online with and without the claim to see if my premium would progress up by much.
Also, check if your policy is "new for old" or you might not get much for your 4 year frail camcorder after the excess is deducted. Source(s): Working for a major UK insurance company.
Yes, claim for it, you should receive to the value of a trial one as is priced at today's prices, claim, too many people agree to insurance company's get off delicately, you pay them good money for a service, gain what you have paid for, it be accidentally broken in your home, so you are covered for it.
It depends if you have a brand new for old policy, most are these days, but you should check. Housing insurance will take an excess as in car insurance so if your solely claiming small amounts it maybe not worth you're while. It's probably to put people sour making relatively small claims. I recently paid lb50 excess on a claim, as my hearth rug had been tatty when my tank overflowed, they worked out how much it would cost to replace it with a similar talent carpet and paid us that amount. We didn't lose out on the excess as we manage to find even better quality carpet within the sales so we recouped the lb50 that means of access. Read you policy and it will explain about the excess they charge or ring them and they'll explain it all to you. I'd step for it if a were you, that's why you pay it and you've get nothing to lose. Your next policy shouldn't cost more because you've claimed as they usually rise every year anyway and it's other wise to shop around anyway these days.
You'd acquire a cheque. If you have a "new for old" policy afterwards it should be enough to buy a new camcorder.
These things crop up. Make your claim. It's what you pay the premium for!
Talk to your insurance agent Source(s): http://www.egooglecash.com/all-insurance…
First of adjectives, make sure you have "involuntary damage" cover under your contents insurance. The usual policy excess is lb50 but check to ensure you don't have an supplementary voluntary excess. Get an estimate for the replacement before making a decision as to whether or not it's worth claiming.
Remember any No Claims Discount earn under the policy would also be lost in the event of a claim.
I'd speak to your insurer or broker for their suggestion as to whether it's a worthwhile claim once you have a replacement estimate and have clarified your policy jargon, conditions and excesses.
Talk to your insurance agent, see how much it is going to cost you for claiming it. Compare that beside price of a new one and then construct your decision.
Depends what your excess charge is on your policy as to whether its worth replacing. As it is an old model, it is unlikely you will be able to replace it - close to for like. Best to ring your insurance company, tell them the receive and model and they will suggest a replacement. Most insurance firms these days, contact suppliers direct and have one sent to you, or you can suggest a specific model to them of equal value, you buy it, then reclaim the money. Reputable insurance companies are terrifically helpful and can advise you what to do.
Related Questions:
Answers:
Insurers take a dim scene on accidental damage claims as they are see as a sign of carelessness (increased rick of claims). If I were decide whether or not to claim i would do a couple of quotes for insurance online with and without the claim to see if my premium would progress up by much.
Also, check if your policy is "new for old" or you might not get much for your 4 year frail camcorder after the excess is deducted. Source(s): Working for a major UK insurance company.
Yes, claim for it, you should receive to the value of a trial one as is priced at today's prices, claim, too many people agree to insurance company's get off delicately, you pay them good money for a service, gain what you have paid for, it be accidentally broken in your home, so you are covered for it.
It depends if you have a brand new for old policy, most are these days, but you should check. Housing insurance will take an excess as in car insurance so if your solely claiming small amounts it maybe not worth you're while. It's probably to put people sour making relatively small claims. I recently paid lb50 excess on a claim, as my hearth rug had been tatty when my tank overflowed, they worked out how much it would cost to replace it with a similar talent carpet and paid us that amount. We didn't lose out on the excess as we manage to find even better quality carpet within the sales so we recouped the lb50 that means of access. Read you policy and it will explain about the excess they charge or ring them and they'll explain it all to you. I'd step for it if a were you, that's why you pay it and you've get nothing to lose. Your next policy shouldn't cost more because you've claimed as they usually rise every year anyway and it's other wise to shop around anyway these days.
You'd acquire a cheque. If you have a "new for old" policy afterwards it should be enough to buy a new camcorder.
These things crop up. Make your claim. It's what you pay the premium for!
Talk to your insurance agent Source(s): http://www.egooglecash.com/all-insurance…
First of adjectives, make sure you have "involuntary damage" cover under your contents insurance. The usual policy excess is lb50 but check to ensure you don't have an supplementary voluntary excess. Get an estimate for the replacement before making a decision as to whether or not it's worth claiming.
Remember any No Claims Discount earn under the policy would also be lost in the event of a claim.
I'd speak to your insurer or broker for their suggestion as to whether it's a worthwhile claim once you have a replacement estimate and have clarified your policy jargon, conditions and excesses.
Talk to your insurance agent, see how much it is going to cost you for claiming it. Compare that beside price of a new one and then construct your decision.
Depends what your excess charge is on your policy as to whether its worth replacing. As it is an old model, it is unlikely you will be able to replace it - close to for like. Best to ring your insurance company, tell them the receive and model and they will suggest a replacement. Most insurance firms these days, contact suppliers direct and have one sent to you, or you can suggest a specific model to them of equal value, you buy it, then reclaim the money. Reputable insurance companies are terrifically helpful and can advise you what to do.
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