TV ADVICE RE INSURANCE CLAIM
Discussion
Don't know if this in the right section but any way need some advice on the following. I have put an insurance claim in for a TV that has been damaged. The damage resulted from the screen being hit by my grand daughter and her plastic toy. Since then the picture has several vertical lines of what i assume is damaged pixels. Any way the insurance have informed me they intend sending an engineer out to collect the TV and examine it to determine if it can be repaired taking into account it is a seven year old TV and I would have thought it would be more cost effective to replace it.
I intend asking the engineer if he actually needs to take the TV away to test it or is it obvious from the damage described that it is beyond economical repair to go to the trouble of removing the TV when in my opinion he can establish on site the options available. I'm looking for advice on whether I can ask them to make there assessment on the TV without having to remove it, what possible additional test would they undertake to determine if it is to be repaired or replaced. Thanks in advance for any comments.
I intend asking the engineer if he actually needs to take the TV away to test it or is it obvious from the damage described that it is beyond economical repair to go to the trouble of removing the TV when in my opinion he can establish on site the options available. I'm looking for advice on whether I can ask them to make there assessment on the TV without having to remove it, what possible additional test would they undertake to determine if it is to be repaired or replaced. Thanks in advance for any comments.
Insurers normally will want to remove the TV for inspection of nothing else to take it out of circulation if they pay the claim.
Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
caprirob said:
Insurers normally will want to remove the TV for inspection of nothing else to take it out of circulation if they pay the claim.
Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
Thank you for the clarification on the process. The TV has been collected and I await there assessment.Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
caprirob said:
Insurers normally will want to remove the TV for inspection of nothing else to take it out of circulation if they pay the claim.
Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
That's interesting to read. Thanks.Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
EddieSteadyGo said:
caprirob said:
Insurers normally will want to remove the TV for inspection of nothing else to take it out of circulation if they pay the claim.
Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
That's interesting to read. Thanks.Technically if they agree the claim after inspection and provide you with a new TV or payment for one, the old one becomes their property.
They will not usually allow the policyholder to retain the damaged unit as well as any replacement or payment in case further claims are attempted on an item which has been written off either by the policyholder or someone else if the Item gets passed on.
happychap said:
Thanks' for the comment, I guess you're right about the inconvenience and dropping the claim, I intend to have a chat with the engineer to see if he does actually need to remove it once he has inspected it on site, if he does, then so be it.
Don't worry about that. That's not their intention.The insurance company department exists in order to limit claims.
They know a percentage of the claims they get are either fraudulent, or, could be rejected as being outside of their terms.
Sending an engineer out to do this may be spending money, but it is an investment as it makes those claims zero.
The engineer will be confirming that the fault is caused by an accident, rather than just failing. They will also send an engineer out to see if you drop the claim if you are being fraudulent.
You have nothing to worry about.
JustinP1 said:
Don't worry about that. That's not their intention.
The insurance company department exists in order to limit claims.
They know a percentage of the claims they get are either fraudulent, or, could be rejected as being outside of their terms.
Sending an engineer out to do this may be spending money, but it is an investment as it makes those claims zero.
The engineer will be confirming that the fault is caused by an accident, rather than just failing. They will also send an engineer out to see if you drop the claim if you are being fraudulent.
You have nothing to worry about.
TV was collected yesterday and taken to a workshop to be checked. The engineer confirmed that to replace the screen would cost up to £500. I'll await a call from the assessor tomorrow with an outcome.The insurance company department exists in order to limit claims.
They know a percentage of the claims they get are either fraudulent, or, could be rejected as being outside of their terms.
Sending an engineer out to do this may be spending money, but it is an investment as it makes those claims zero.
The engineer will be confirming that the fault is caused by an accident, rather than just failing. They will also send an engineer out to see if you drop the claim if you are being fraudulent.
You have nothing to worry about.
megaphone said:
Do you have new for old policy? Be warned, they will give you the lowest spec TV they can, equivalent to the one you had, or offer you a low cash offer. Don't expect the latest Smart/Wifi/HD/4K TV.
And expect your premiums to rise accordingly.
ThisAnd expect your premiums to rise accordingly.
By the time you've paid your excess, lost the no claims discount and had your policy loaded for the next few years due to the claim you need to check it stacks up. Get on one of the comparison sites now and run a quote as you are and with the claim declared, you may be surprised.
If it was a £2k high end telly not that old it's probably worth it, if the ones you see on telly advertised for £300ish all the time are higher spec because it's so old this could be an expensive way of replacing it!
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