Contents insurance that protects against damage from pets?

[PiKe]

I imagine the premiums would be higher if this exists? I was looking to go with Admiral but their documents say they don't cover damage by pets.

 

[[FnG]magnolia]

Yes, I imagine they would be higher because your potential claims are increased. Is this a trick question?

Sent from my iPad.

 

[PiKe]

I'm asking for an insurer that offers that kind of cover.

 

[[FnG]magnolia]

Admiral appear to be on this list

Sent from my iPad.

 

[gradyhawks]

I don't think you're going to find one that covers it. It's not an accident if your dog had a nibble on your laptop is it, that's entirely on you as an owner.

EDIT: Looking into it, actually, there can be accidents. One example was your dog knocking something over with its tail etc, but things like biting, scratching etc are not covered.

Couldn't you just the wife accidentally ate your laptop?

 

[Diddums]

Yes. Of course it's more expensive.


Sent from Mags' iPad.

 

[PiKe]

Admiral appear to be on this list

Sent from my iPad.

That is just a list of search results basically saying nobody does cover damage by animals.

 

[Roadrunner_668]

my contents insurance covered my 60" when the cat jumped at it and threw it off balance, I didnt say the cat did it though I just said it fell.

if i said the cat did it i have no idea if it would have been covered

direct line that was

 

[FoxEye]

That is just a list of search results basically saying nobody does cover damage by animals.

But iPad at iPad least iPad you iPad learned iPad he iPad has iPad an iPad iPad iPad.

 

[adolf hamster]

or you could just accept that if you want to have a pet in the house you've got to take on the risk that they might knock something over, chew/bite/claw at it etc.

 

[[FnG]magnolia]

But iPad at iPad least iPad you iPad learned iPad he iPad has iPad an iPad iPad iPad.

The OP has been given an answer that he cannot be insured for those needs without putting some actual effort in.

my Ipad

Sent from my iPad.

 

[Haggisman]

my contents insurance covered my 60" when the cat jumped at it and threw it off balance, I didnt say the cat did it though I just said it fell.

if i said the cat did it i have no idea if it would have been covered

direct line that was

Probably not. Just had a quick check on my Halifax policy and even under the ultimate policy with full accidental damage cover it excludes damage by pets. As above, if it was something ambiguous like the TV got knocked over or a bottle of red wine spilled on the middle of your brand new cream carpet, you could* tell the insurance company that it was you/your partner/child and it's unlikely they would reject the claim on that basis, but if you were trying to claim for your corner sofa which was covered in cat urine... not going to happen!


* obviously this would be insurance fraud and I'm definitely not suggesting anyone does this!

 

[Nasher]

The pet didnt break it, the fall did

Just claim anyway and dont mention the pet.

 

[Roadrunner_668]

The pet didnt break it, the fall did

Just claim anyway and dont mention the pet.

ha ha that is true ! they did ask how it fell and I just said it slipped off the unit it was sat on

they didnt press me for information anywhere near as much as i thought they would !

 

[Feek]

I needed a laugh, thanks chaps.

Sent from my wife’s iPad.

 

[Kelt]

Surely you can get Insurance with that particular claws in it?

 

[Roadrunner_668]

Surely you can get Insurance with that particular claws in it?

ha ha

on a serious note though actual claw marks or bite marks might make blagging it a bit harder !

 

[[FnG]magnolia]

That is just a list of search results basically saying nobody does cover damage by animals.

I believe this is your answer then

Sent from Feek's iPad.

 

[PiKe]

Yes I realised that last night, so I just went with admiral.

 

[Luke]

Seems to be a fair few options out there.

Sent from my iPad on a Huawei on an iPad on a Huawei.