contents insurance - baby damage!
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Category: General Chat
Forum Name: General Chat
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URL: https://www.ohbaby.co.nz/forum/forum_posts.asp?TID=30072
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Topic: contents insurance - baby damage!
Posted By: catisla
Subject: contents insurance - baby damage!
Date Posted: 22 November 2009 at 7:21pm
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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'? ------------- |
Replies:
Posted By: Babe
Date Posted: 22 November 2009 at 7:37pm
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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  -------------   
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Posted By: lilfatty
Date Posted: 22 November 2009 at 7:53pm
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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. ------------- Mummy to Issy (3) and Elias (18 months) I did it .. 41 kgs gone! From flab to fab in under a year  http://www.femininefitness.co.nz/category/blog - LFs weight blog
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Posted By: catisla
Date Posted: 22 November 2009 at 8:10pm
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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? ------------- |
Posted By: lizzle
Date Posted: 22 November 2009 at 9:28pm
| insurance covered our playstation when taine shoved four dvds into it. lewis I swear cried. |
Posted By: lilfatty
Date Posted: 23 November 2009 at 12:58am
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Susiec - it shouldnt affect your premiums (well us claiming hasnt changed ours at all) ------------- Mummy to Issy (3) and Elias (18 months) I did it .. 41 kgs gone! From flab to fab in under a year http://www.femininefitness.co.nz/category/blog - LFs weight blog
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Posted By: KiwiL
Date 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). |
Posted By: clover
Date 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. |
Posted By: Tastic
Date Posted: 23 November 2009 at 9:15am
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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? |
Posted By: WRXnKids
Date Posted: 23 November 2009 at 9:32am
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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  -------------   
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Posted By: GuestGuest
Date Posted: 23 November 2009 at 9:33am
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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.
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Posted By: MummyFreckle
Date Posted: 23 November 2009 at 10:07am
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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!!!
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Posted By: clover
Date Posted: 23 November 2009 at 10:08am
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$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. |
Posted By: Tastic
Date Posted: 23 November 2009 at 12:56pm
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we must have a pretty good deal with our insurance company then, our excess is only $100
what companys are everyone with? |
Posted By: Maya
Date Posted: 23 November 2009 at 1:23pm
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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. -------------  Maya Grace (28/02/03)
 (02/01/06)
The Gremlins:Sienna Marie & Mercedes Kailah (14/10/06)
Lil miss:Chiara Louise Chloe (09/07/08)
Her ladyship:Rosalia Sophie Anais (18/06/12)
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Posted By: catisla
Date Posted: 23 November 2009 at 4:29pm
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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! ------------- |
Posted By: emz
Date Posted: 23 November 2009 at 4:40pm
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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 
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Posted By: KiwiL
Date Posted: 23 November 2009 at 5:15pm
| Wow, Emz, that's intense!!! |
Posted By: Guests
Date Posted: 23 November 2009 at 8:32pm
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Ami replaced our laptop when dd tipped her water on it
our excess is $100. They replaced it straight away |
Posted By: minik8e
Date 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).
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Posted By: Babe
Date Posted: 24 November 2009 at 7:10am
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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. -------------
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Posted By: ?Lolly?
Date Posted: 24 November 2009 at 9:03am
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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 ------------- Captain Chaos (5) & the Trouble Monsters (2!) 
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