OHbaby! Forums : contents insurance - baby damage! https://www.ohbaby.co.nz/forum/ Copyright (c) 2006-2013 Web Wiz Forums - All Rights Reserved. Fri, 08 May 2026 08:00:14 +0000 Tue, 24 Nov 2009 09:03:12 +0000 http://blogs.law.harvard.edu/tech/rss Web Wiz Forums 12.05 360 https://www.ohbaby.co.nz/forum/RSS_post_feed.asp?TID=30072 <![CDATA[OHbaby! Forums]]> https://www.ohbaby.co.nz/forum/forum_images/web_wiz_forums.png https://www.ohbaby.co.nz/forum/ <![CDATA[contents insurance - baby damage! : The glasses extension sounds like...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849500&title=contents-insurance-baby-damage#849500 Author: ?Lolly?
Subject: 30072
Posted: 24 November 2009 at 9:03am

The glasses extension sounds like a good idea, kinda like the window extension on your car! I hated talking to the insurers when I brought my new car. They made me feel like I was trying to rip them off before I had even decided to go with them!

ETA - Babe your cousins sound like mine! Only my Aunt has four of the horrohs aged between 7 and 13

Edited by Emiloly]]> Tue, 24 Nov 2009 09:03:12 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849500&title=contents-insurance-baby-damage#849500 <![CDATA[contents insurance - baby damage! : We&#039;re with Tower. We don&#039;t...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849416&title=contents-insurance-baby-damage#849416 Author: Babe
Subject: 30072
Posted: 24 November 2009 at 7:10am

We're with Tower. We don't claim on any contents below $500 and we don't pay an excess. We don't claim on anything less than $1000 on the house and we have no excess either. We chose to do it that way coz when we went through everything we owned we realised the stuff we would be claiming on was worth more than $500 anywayand it cut our premiums alot.
I also pay $35 a year and my glasses are completely covered with no excess so scratch or total annihilation they get replaced.]]> Tue, 24 Nov 2009 07:10:10 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849416&title=contents-insurance-baby-damage#849416 <![CDATA[contents insurance - baby damage! : The excesses and premiums vary...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849247&title=contents-insurance-baby-damage#849247 Author: minik8e
Subject: 30072
Posted: 23 November 2009 at 9:18pm

The excesses and premiums vary depending on the company. Pretty much ALL insurance companies have put their premiums up this year, some by up to 40%, so combine that with any loss of no claims bonus, and things can get kind of hefty. I'm not looking forward to shopping around at the next renewal We're with Vero and our excess is $150 (standard).]]> Mon, 23 Nov 2009 21:18:31 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849247&title=contents-insurance-baby-damage#849247 <![CDATA[contents insurance - baby damage! : Ami replaced our laptop when dd...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849126&title=contents-insurance-baby-damage#849126 Author: Guests
Subject: 30072
Posted: 23 November 2009 at 8:32pm

Ami replaced our laptop when dd tipped her water on it

our excess is $100. They replaced it straight away ]]> Mon, 23 Nov 2009 20:32:16 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=849126&title=contents-insurance-baby-damage#849126 <![CDATA[contents insurance - baby damage! : Wow, Emz, that&#039;s intense!!!...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848827&title=contents-insurance-baby-damage#848827 Author: KiwiL
Subject: 30072
Posted: 23 November 2009 at 5:15pm

Wow, Emz, that's intense!!! ]]> Mon, 23 Nov 2009 17:15:40 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848827&title=contents-insurance-baby-damage#848827 <![CDATA[contents insurance - baby damage! : Our premiums only go up if we...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848781&title=contents-insurance-baby-damage#848781 Author: emz
Subject: 30072
Posted: 23 November 2009 at 4:40pm

Our premiums only go up if we claim twice in an insurance year.

Oh and if you're with State, be prepared that your excess will prob go up to $250 now if it hasn't already, plus premiums are going up by quite a bit too.

We got 3 rooms carpeted thanks to DS having diarrhoea (we both had gastro, I ran him to the lino to try and minimise the damage (it was running out his nappy) but there was no way the professional carpet cleaners could fix it). Needless to say now we have a darker coloured carpet to avoid that type of staining happening ]]> Mon, 23 Nov 2009 16:40:54 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848781&title=contents-insurance-baby-damage#848781 <![CDATA[contents insurance - baby damage! : well i called our insurance (ASB)...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848776&title=contents-insurance-baby-damage#848776 Author: catisla
Subject: 30072
Posted: 23 November 2009 at 4:29pm

well i called our insurance (ASB) who worked out with my excess and loss of no claims (and resullting increase in premiums )it is not worth it, so i am scouting around trade me now

thanks for the advice anyway!]]> Mon, 23 Nov 2009 16:29:20 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848776&title=contents-insurance-baby-damage#848776 <![CDATA[contents insurance - baby damage! : State replaced my laptop when...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848497&title=contents-insurance-baby-damage#848497 Author: Maya
Subject: 30072
Posted: 23 November 2009 at 1:23pm

State replaced my laptop when Maya tipped a glass of water over on the keyboard and munted it, and they replaced the screen on the replacement laptop when I cracked it by picking it up by the screen.

My premiums have gone up as a result tho. I must call around and get quotes from other companies coz I'm sure I'm getting overcharged.]]> Mon, 23 Nov 2009 13:23:47 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848497&title=contents-insurance-baby-damage#848497 <![CDATA[contents insurance - baby damage! : we must have a pretty good deal...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848447&title=contents-insurance-baby-damage#848447 Author: Tastic
Subject: 30072
Posted: 23 November 2009 at 12:56pm

we must have a pretty good deal with our insurance company then, our excess is only $100

what companys are everyone with?]]> Mon, 23 Nov 2009 12:56:57 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848447&title=contents-insurance-baby-damage#848447 <![CDATA[contents insurance - baby damage! : $150 is good for excess, your...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848246&title=contents-insurance-baby-damage#848246 Author: clover
Subject: 30072
Posted: 23 November 2009 at 10:08am

$150 is good for excess, your premium goes up the lower your excess is. $250 is usually about standard.

ETA - there are a number of reasons why excess varies not just premum price.

Edited by summerlamb]]> Mon, 23 Nov 2009 10:08:01 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848246&title=contents-insurance-baby-damage#848246 <![CDATA[contents insurance - baby damage! : When my darling son pushed my...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848244&title=contents-insurance-baby-damage#848244 Author: MummyFreckle
Subject: 30072
Posted: 23 November 2009 at 10:07am

When my darling son pushed my laptop off the table and killed it, my insurance company paid out no problems. They have also paid out for glasses (which didnt have an excess). It hasnt affected our premiums at all.  My glasses are stuffed again from toddler abuse, so may need to claim again!!!

 

 

]]> Mon, 23 Nov 2009 10:07:04 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848244&title=contents-insurance-baby-damage#848244 <![CDATA[contents insurance - baby damage! : I had a similar thing recently...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848209&title=contents-insurance-baby-damage#848209 Author: GuestGuest
Subject: 30072
Posted: 23 November 2009 at 9:33am

I had a similar thing recently when my puppy ate my glasses I told the insurance company what happened and they were fine about it, I just had to pay $250 excess and it didn't affect my no claims bonus as it was the first time that we had claimed.]]> Mon, 23 Nov 2009 09:33:12 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848209&title=contents-insurance-baby-damage#848209 <![CDATA[contents insurance - baby damage! : years ago i lost my phone once...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848208&title=contents-insurance-baby-damage#848208 Author: WRXnKids
Subject: 30072
Posted: 23 November 2009 at 9:32am

years ago i lost my phone once and had another stolen and insurance covered them both and i never lost my no claims bonus.

Baby damage is covered my mate claimed on a laptop that somehow ended up in the bath thanks to a child ]]> Mon, 23 Nov 2009 09:32:57 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848208&title=contents-insurance-baby-damage#848208 <![CDATA[contents insurance - baby damage! : we havent personally claimed for...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848175&title=contents-insurance-baby-damage#848175 Author: Tastic
Subject: 30072
Posted: 23 November 2009 at 9:15am

we havent personally claimed for a cellphone cause at the time i didnt think.
what insurance company you with?
I had to make a claim back in may for my laptop and it hasn't effected my premiums
so fingers crossed it wont for you too! also is $150 reasonable for excess? ]]> Mon, 23 Nov 2009 09:15:48 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848175&title=contents-insurance-baby-damage#848175 <![CDATA[contents insurance - baby damage! : It possibly will affect your premiums,...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848166&title=contents-insurance-baby-damage#848166 Author: clover
Subject: 30072
Posted: 23 November 2009 at 9:12am

It possibly will affect your premiums, just ring your insurance company and check, you don't have to go through with the claim if you decide it isn't worth it.]]> Mon, 23 Nov 2009 09:12:59 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848166&title=contents-insurance-baby-damage#848166 <![CDATA[contents insurance - baby damage! : Hmm, it might affect your premiums....]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848148&title=contents-insurance-baby-damage#848148 Author: KiwiL
Subject: 30072
Posted: 23 November 2009 at 9:00am

Hmm, it might affect your premiums. You usually lose your no-claims bonus, so premiums are likely to go up. Depends on your policy and if you have a max no claims bonus for life (these types of polices are not the norm where contents are concerned). ]]> Mon, 23 Nov 2009 09:00:00 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848148&title=contents-insurance-baby-damage#848148 <![CDATA[contents insurance - baby damage! : Susiec - it shouldnt affect your...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848080&title=contents-insurance-baby-damage#848080 Author: lilfatty
Subject: 30072
Posted: 23 November 2009 at 12:58am

Susiec - it shouldnt affect your premiums (well us claiming hasnt changed ours at all)]]> Mon, 23 Nov 2009 00:58:06 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=848080&title=contents-insurance-baby-damage#848080 <![CDATA[contents insurance - baby damage! : insurance covered our playstation...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847999&title=contents-insurance-baby-damage#847999 Author: lizzle
Subject: 30072
Posted: 22 November 2009 at 9:28pm

insurance covered our playstation when taine shoved four dvds into it. lewis I swear cried.]]> Sun, 22 Nov 2009 21:28:35 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847999&title=contents-insurance-baby-damage#847999 <![CDATA[contents insurance - baby damage! : thanks - sounds hopeful. Phone...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847896&title=contents-insurance-baby-damage#847896 Author: catisla
Subject: 30072
Posted: 22 November 2009 at 8:10pm

thanks - sounds hopeful. Phone is worth $400 and excess is $150 so should be worth it.

Is it likely to affect my premiums when it comes to renewal do you know?]]> Sun, 22 Nov 2009 20:10:47 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847896&title=contents-insurance-baby-damage#847896 <![CDATA[contents insurance - baby damage! : Yeah my cellphone was drowned...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847869&title=contents-insurance-baby-damage#847869 Author: lilfatty
Subject: 30072
Posted: 22 November 2009 at 7:53pm

Yeah my cellphone was drowned twice and insurance have replace it both times.

Although my phone was five times my excess, so it was worth it .. i wouldnt bother if i had a cheap(ish) phone.]]> Sun, 22 Nov 2009 19:53:09 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847869&title=contents-insurance-baby-damage#847869 <![CDATA[contents insurance - baby damage! : Yep my cousins (11 months apart...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847840&title=contents-insurance-baby-damage#847840 Author: Babe
Subject: 30072
Posted: 22 November 2009 at 7:37pm

Yep my cousins (11 months apart and utter horrors) dunked my auntys phone in her coffee, dropped it in the toilet, peed on it (not in the toilet), dunked it n her coffee again and buried it alive. All different phones BTW. Insurance people covered it fine.
The same boys stuffed the brandnew dvd player/surround sound stereo full of as many CDs as they could get their hands on not once, not twice but THREE times and the insurance people covered it all.
I'd have hated to be their insurance company ]]> Sun, 22 Nov 2009 19:37:25 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847840&title=contents-insurance-baby-damage#847840 <![CDATA[contents insurance - baby damage! : My DD decided to dunk my cell...]]> https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847813&title=contents-insurance-baby-damage#847813 Author: catisla
Subject: 30072
Posted: 22 November 2009 at 7:21pm

My DD decided to dunk my cell phone up and down several times in a cold cup of tea (my fault - shouldn't have left my phone in such a low position, but she didn't have to have such a grin on her face while she did it)

I took the phone back to the shop who sent it off, and it came back as 'moisture damage' so they wont fix it, invalidated warranty, and it is beyond repair in any case.

I have checked our contents insurance and I think it should be covered under 'accidental damage' but I am not sure.

Has anyone claimed for such damage before, when it has been caused in such a way? what do i tell my insurance company? Is baby-led damage 'accidental'?]]> Sun, 22 Nov 2009 19:21:35 +0000 https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072&PID=847813&title=contents-insurance-baby-damage#847813