TV INSURANCE CLAIM ADVICE

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malcolm mccaw

malcolm mccaw

malcolm mccaw

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Hello all, im gutted that ive accidently damaged the screen on my 3D Sony 47" 807a tv which cost me £1299 in 2013. I have accidental damage cover on my home insurance in place so i contacted them. The guy on the phone told me to hold the line and came back to me offering £379 for the cost of a replacement 48" LG set, telling me its 4k and 1" bigger. I told him im not happy with that as my Sony was i high end tv at the time and he has chosen a lower end tv, so im waiting for a manager to call me back within the next 48hrs to discuss it further.

My argument is that spending £1299 on a tv in 2013 is worth £1520 in todays money, meaning i will go for ether a Sony A9 or a LG CX as a replacement to get the best performance quality. And even though i understand his 4k offering is a higher spec on paper, i believe that my older flagship at the time 1080p Sony 807a would still out perform lower end 4k tvs in terms of picture quality ect. When i originally bought it back in 2013 the were lots of cheaper tv's on the market with the same specs (like a bush @ £399) but i went for the higher quality.

So my question is, has anyone got any advice that will help my case for when the manager calls me back?

Thank you
 
Its been a really good tv, even if they offered a repair screen i would go for that. I just dont want something thats not as good, i.e hdmi sockets, refresh rates ect. I will also loose my 3d movies too

Im also thinking about how well my massive non 3d blu ray collection would upscale on a low end 4ktv if i took that option? im so gutted.

Or would anybody be able to help on what price range in todays tv's would equal, or be slightly better than the my 2013 1080p 47w807, and upscale well if i go to 4k ? Thanks for the help m
 
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StevieP said:
The idea of insurance is to put you back in the position you were in prior to the loss - no better, no worse.

To argue your 2013 purchase's value in "today's money" isn't reasonable.

The set they are offering you is most probably better than your damaged set in just about every way due to the advancements in technology alone!
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You reckon a low end cheaply made telly now, is better than a high end spec 8yrs ago? Have a word with yourself!
 
OldKitMan said:
When my TV was accidentally damaged the insurer offered me a replacement and as my plasma was 3D the replacement also had to be 3D. They then offered me some cash instead, around £800 or so IIRC, which I took and put towards something better than they were offering. The TV on offer wasn't terrible, but as it was LCD and my damaged set was a plasma then it wouldn't really be good enough for me (plasma tech had disappeared by then).

What does your insurance policy state for replacements, can they offer you a replacement or do you have to take cash/vouchers?
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I cannot find the t's&c's of there policy on line, but i think its old 4 new/ like 4 like replacement, currys vouchers? you dont say when your incident happened, as 3d is obsolete? thank s m
 
xb8browney said:
The irony.

Maybe they'll up it abit, something like a KD49XH8196BU
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As long as it performs well???? as good as the w807 ? then happy days! Example: I remember that a mate of mine in 2008 bought a new then top end sony kdl-40v4000 tv, and 4 years later he sold it on to a friend in order to buy a new same spec panasonic for £370, thinking tech had moved on, and thinking it will be at least the same if not better, as you would 4 years on? but NO the picture in sd was shocking, i seen it! although the blu ray picture was ok ish on it. But i felt for him as he regretted selling the sony on. So that's the reason why im not confident in a newer up to date low end tv!
 
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Psycho Sonny said:
3D is dead technology.

So to say your losing that is like saying that you want your VHS player replaced with another VHS player when they don't make them any more. Completely unreasonable albeit annoying. It's not their fault you bought into dead technology.

Home insurance is not a smart thing to use for minor claims like this. Your excess and increase in premiums will be more than the pay out.

8 year old TV. It would have likley died of natural reasons if you didn't damage the screen within the next few years. It's fair to say you got your money's worth out of it.

To ask for a £1500 oled is laughable.

As for the LG it will likely be superior to your Sony. Tech has moved on a lot and 4k beats 1080p. Your Sony wouldn't have smart features for example or of it did they won't be anything like what's available today. It won't have HDR. It won't have arc. Essentially your TV is a relic and it was an LCD to ask for an oled is like asking for them to replace your dirty diesel suv with a Tesla because they don't make 5 litre diesel engines anymore.

You can try haggling but your expectations are pretty ridiculous.

Your TV is now crap. Your living in the past. There is a reason why DVD's second hand are worth buttons and second hand blu rays are worth 5 times as much. Te
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Thanks to ALL reply's despite the difference's, no offence intended, im sorry if i have, but i felt i was being jumped on by a few. I just thought that my blu ray picture playback on this tv was outstanding, really! B.Ray Fury looked so great! and im so sorry to lose it. But in a ideal world! if we could all do the pepsi challenge (pepsi & pulp fiction quote) in a tv's all lining up together with the best of the old (last 10years), against the brand new 4k low end tv, (the pick it up with one hand crap) it would be good to see........ I understand tech moves on, but imagine getting a replacement, and watching a test movie, saying no its not as good? Im thinking i will try my best on the ins claim, and just buy a new tv out of my own pocket anyway. Maybe sony kd55xh9005 maybe @ 899, i think they do a 48" @ 750
 
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