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Can i claim for my tv if a i buy Home insurance?

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January 29th, 2009 | Tags: | Category: Insurance

11 comments to Can i claim for my tv if a i buy Home insurance?

  • MellowMan
    January 30th, 2009 at 10:24 pm

    Not if the damage happened before the start date of the insurance, if you tried to claim and they found out it would be deemed as fraud.

  • H.Potter-fan
    January 31st, 2009 at 1:30 pm

    You could do this but take into consideration the fact that you’ve already been told that the damage to the TV is not covered by the warranty. When you make a claim on your insurance the insurers may contact the company you bought the TV from to confirm the date you bought it etc. and they may tell them that you already tried to claim on the warranty. I could be wrong about this but to be honest would you be prepared to take the risk?

  • Leigh O
    January 31st, 2009 at 4:09 pm

    Depends on what you excess is. It may be more than 700.

  • K B
    February 2nd, 2009 at 12:29 am

    If you buy the insurance after you broke the TV then no you can’t do that. You could try, but if the insurers found out what you were doing you could get a criminal record out of it. For me personally I’d rather just save up for a new TV.

  • Number 6
    February 2nd, 2009 at 5:43 pm

    Would it not be cheaper to get it fixed than pay for the insurance + the extra for accidental damage + you would have to pay for the first 100 to 200 pound for the the TV repair anyway + the price of any future insurance would be more expensive because you have made a claim….

    Plus on any insurance you are not covered for existing damage…

  • WelshLad
    February 6th, 2009 at 4:23 am

    As others have said, you can’t claim for something that has happened before you take up a policy.

    But you could take out the cover for the future.

  • LYNCH R
    February 7th, 2009 at 3:45 am

    Would fraud work? Because that’s what you are asking. The answer is yes sometimes it does work but why gamble with your freedom if there’s no need?
    Get a £50 tv from a second hand shop if you are that hard up for cash, at least you are SURE you’ll stay a free man.
    (yep they may lock you up for fraud in the UK)

  • david536259
    February 7th, 2009 at 5:48 am

    If it has been damaged before you take out the policy – then no. I think that is probably a criminal act!

  • mbrcatz
    February 8th, 2009 at 9:31 am

    Standard homeowners doesn’t cover accidental damage.

  • stephenweinstein
    February 10th, 2009 at 11:53 pm

    Insurance only covers damage that occurs after you buy the insurance, not damage that happens before you buy the insurance.

  • www.buystuffs.co.uk
    February 12th, 2009 at 10:17 pm

    It depends on what you excess is. It may be more than 700 though.
    Isurance related products

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