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.

 

[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!

 

[9 Stone Elvis]

No, they gave me a cheque.

Thanks

 

[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