Anyone claimed for an ipad on their house contents insurance?

[9 Stone Elvis]

I appreciate experiences will vary between companies but I’m just after a general vibe. My boy managed to drop my iPad Pro off the breakfast bar and had smashed up the screen. It’s quite an old one and I have another so in one sense it’s no biggie, but it was a genuine accident and I have never claimed anything on my contents insurance so I’m thinking I should claim.

Is it likely to be a ball ache that will make me wish I hadn’t bothered or has anyone done it relatively smoothly? Do insurance companies tend to look to repair or replace these days? I may not bother but would appreciate hearing others experiences. Thanks.

 

[ChrisD.]

I did a few years ago via Halifax, was straight forward. It did push up subsequent premiums and I likely won't bother again. I now just buy AppleCare+.

 

[9 Stone Elvis]

I did a few years ago via Halifax, was straight forward. It did push up subsequent premiums and I likely won't bother again. I now just buy AppleCare+.

Did you get a band new device? If it’s a significant price increase I wouldn’t bother but I’ve just had a bad experience with a buildings claim and frankly I’m at the point where I feel like I’m paying out a fortune and never getting anything in return anyway!

 

[ChrisD.]

Did you get a band new device? If it’s a significant price increase I wouldn’t bother but I’ve just had a bad experience with a buildings claim and frankly I’m at the point where I feel like I’m paying out a fortune and never getting anything in return anyway!

No, they gave me a cheque.

 

[9 Stone Elvis]

No, they gave me a cheque.

Thanks

 

[Bluecube]

Similarly, I broke a MacBook Pro. It wasn’t particularly old so I claimed through my house insurance which was pretty straight forward. The only thing was it had to be a like for like replacement even when I pointed out that an M1 based MBP was cheaper than the older i5. However, pretty much straight away I was offered a cash payment which I took instead.
House insurance premium went up but when we renewed it went back down

 

[holdin09]

I hate how insurance goes up if you make a claim, like I understand they see you more likely to claim again but you pay an excess as well as the premium to them for the reason to be able to claim.

 

[9 Stone Elvis]

I hate how insurance goes up if you make a claim, like I understand they see you more likely to claim again but you pay an excess as well as the premium to them for the reason to be able to claim.

Every time I have dealt with insurance companies I end up feeling like some master fraudster and I’m talking to Columbo who has spotted some minor flaw in my story and therefore the whole thing is a tissue of lies

 

[holdin09]

Every time I have dealt with insurance companies I end up feeling like some master fraudster and I’m talking to Columbo who has spotted some minor flaw in my story and therefore the whole thing is a tissue of lies

Wasn't with contents insurance but once with car insurance when I was younger I had an accident which was all on my own at a big roundabout because of really bad tyres on the rear of the car that I only had for a few weeks and hadn't noticed. Anyway I hit the post that has the arrows showing which way the roundabout goes and because I thought my excess was £250 (that is what I put to pay when taking the insurance out) I decided to try and make a claim as there was wing and bummer damage that would have cost me more than £250 to fix. So after phoning them I took it to get inspected and the guy was happy with what I said and everything but he said you do know you could get it fixed for less than £600, I said what do you mean my excess is £250. He showed me in very small writing compared to the where it said £250 was if under 25 there was a £350 excess to be paid. At no point up until the inspector telling me that I was told or knew about that extra excess I had to pay. Of course I thanked him for telling me and I said I don't want to go ahead with the claim and asked what I needed to do, which he said phone the insurance and tell them which I did straight away.

Next years renewal time insurance had doubled with them and was similar priced with everyone else. A few years later seen on a BBC program about similar situation where person told insurance about an accident but didn't claim and it turned out they put it down as a claim anyway and I am sure that is what they did to me. So unless you are sure you are going to go ahead with the claim don't tell them about it and I would assume that goes for any insurance as they can't be trusted.