keitha
Member of DD Central
2024, hopefully the year I get out of P2P
Posts: 4,581
Likes: 2,615
|
Post by keitha on Nov 5, 2024 16:55:43 GMT
I always go house and contents Some years ago I dropped my digital SLR camera and destroyed the lens ( it was in 2 pieces and glass shattered ) and the impact dislodged the mirror in the camera body. I put in a claim and was asked to send in the camera plus the lens, I also included as requested the original invoice for the camera, a week later a parcel arrived containing the camera and a request to ring the claims department. I rang them and after passing security was told that "yes the camera and lens are damaged BER" so I asked what BER was and was told beyond economical repair. They asked did I want the assessed value of the items or replacements. I asked for replacements, and they asked where I wanted it delivered home or work, so I asked for it to be sent to work 2 days later I get a call from reception a parcel has arrived. they sent me a replacement ( seriously upgraded ) camera Kit including the standard lens and an every ready case, Also in the box was a brand new top of the range lens of a higher spec and longer range than the damaged one. I felt quite bad for a few minutes because the old camera and lens had cost me < £300, the camera they sent was on offer at the time at £450 and the super lens was over £1,100. But after a bit I thought what they've given me is 7 years premiums and I haven't claimed for over 10 so they are still winning I figured you were a house and contents guy.  No disrespect intended - just we all have different characters and attitudes to risk. Last thing I wanna do is pay for someone's camera lens or all the processes, procedures and people behind it all. LOL I've known people save up all the broken china etc for 2-3 years then claim for the lot. for me House and contents is sensible, tot up 1 room, or clothes, or books etc contents cover here adds less than 20% to just insuring the house . just on a quick add up on kitchen Hob £250 Oven £350 Fridge £300 Freezer £300 Washing Machine £400 Tumble drier £400 Table and chairs £300 saucepans £200 Casserole dishes etc £100 Air fryer Kettle Coffee maker Food processor Kitchen Knives Eating utensils Crockery etc etc
|
|
michaelc
Member of DD Central
Say No To T.D.S.
Posts: 5,677 
Likes: 2,974
|
Post by michaelc on Nov 5, 2024 17:10:06 GMT
I figured you were a house and contents guy. No disrespect intended - just we all have different characters and attitudes to risk. Last thing I wanna do is pay for someone's camera lens or all the processes, procedures and people behind it all. LOL I've known people save up all the broken china etc for 2-3 years then claim for the lot. for me House and contents is sensible, tot up 1 room, or clothes, or books etc contents cover here adds less than 20% to just insuring the house . just on a quick add up on kitchen Hob £250 Oven £350 Fridge £300 Freezer £300 Washing Machine £400 Tumble drier £400 Table and chairs £300 saucepans £200 Casserole dishes etc £100 Air fryer Kettle Coffee maker Food processor Kitchen Knives Eating utensils Crockery etc etc Wow the crockery anecdoate is exactly why I don't do it. As for your list most of the is to replace new. So you'd expect an upgrade from insurance or would you be happy with someone's grotty old dishwasher as a replacement?
|
|
Greenwood2
Member of DD Central
Posts: 4,376
Likes: 2,780
|
Post by Greenwood2 on Nov 5, 2024 17:21:56 GMT
I figured you were a house and contents guy. No disrespect intended - just we all have different characters and attitudes to risk. Last thing I wanna do is pay for someone's camera lens or all the processes, procedures and people behind it all. LOL I've known people save up all the broken china etc for 2-3 years then claim for the lot. for me House and contents is sensible, tot up 1 room, or clothes, or books etc contents cover here adds less than 20% to just insuring the house . just on a quick add up on kitchen Hob £250 Oven £350 Fridge £300 Freezer £300 Washing Machine £400 Tumble drier £400 Table and chairs £300 saucepans £200 Casserole dishes etc £100 Air fryer Kettle Coffee maker Food processor Kitchen Knives Eating utensils Crockery etc etc I remember someone telling me when they dropped an expensive glass, that they were saving the bits and when they had broken enough they would claim on the insurance. I really didn't know what to say it had never occurred to me you could do something like that (and I wouldn't). At the time I considered them pretty wealthy so was surprised they would be so petty. We have never claimed on house insurance, not sure if that makes us stupid.
|
|
