Our TV was damaged accidentally over the summer with wii remote hiting it. Getcover.com was informed and they sent the file to OSG, a company appointed to handle their claims, the TV was collected 2weeks ago for assessment. I called them this morning to find out the outcome and the report says the tv is damaged beyond repair and it will be replaced but I have to pay €250 to the Engineers before they can replace it with brand now one. I ve never heard of this before could anyone please explain it to me. The policy was in excess of €250 and what I ve ever known is that the insurance will pay you the value less the policy excess. Please help, there is no TV in the house since July.