puddlesplasher
pfm Member
Not sure if it’s a viable thing but has anyone claimed on household insurance for a cartridge.
Possibly not relevant to today, but I claimed for a knackered Shiraz (no slouch, ££££ wise) on my audio-visual section of contents (nearly always accidental damage on this regardless of other contents). Was told at the time, if claim under a grand, there shouldn't be any premium repercussions. In my case there wasn't but this was the nineties.
If a cheap cart., I wouldn't bother. PX it for sth better. Few insurance company claims departments had any idea of what a cart. was, let alone anything about it. I don't intend to test this theory's relevance today, as I've two 4K+ cart's.
You need to factor in the first x number of pounds they don’t pay of any claim.
You need to check what your limits are as usually there are limits in each category of household item. I had to specify each component in my system that was over their limit to get them covered.
Never claim in insurance, half the time the claim fails and as mentioned it puts up your premium
I claimed once and smiled when the young claims handler had no idea what a record player was...
What's the point of insurance then?
I don't think it's a good idea to throw trivial claims in all the time but in my experience they don't mind, and expect, the occasional reasonable claim. We claimed for fire damage to a shed last year and the waved the excess because we'd never claimed before. That actually isn't true, we have claimed before. It must simply be long enough ago that it didn't show on their system.
You add up what you pay in premiums on your house insurance, it's a lot of money. A reasonable claim now and then is not going to upset them.