contents insurance - baby damage!

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'?

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.

insurance covered our playstation when taine shoved four dvds into it. lewis I swear cried.

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).

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?

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.

$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

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.

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

Ami replaced our laptop when dd tipped her water on it

our excess is $100. They replaced it straight away