Hard to tell without knowing the details of your specific policy terms & conditions. Why not just ask your insurer? However the table claim looks a bit unusual. How could one cigarette damage a table to the extent that it needs to be replaced? The last two might be simply maintenance/wear and tear issues rather than accidental damage issues. Bear in mind that claims may impact your renewal or switching premium in the future.
- Cigarette left on table damaging the table, claim for replacement
- Paint spilt on leather couch, claim for replacement
- Dishwasher failure, claim for replacement
- Heating system faulty, claim for repair
Surely it depends on the policy? Don't some have individual claim excesses and others have annual excesses?As each claim is a separate incident you will have to pay the policy excess (think FBD is €100) on each claim separately if you go ahead with the claims.
Most underwriters ask if you have had a claim in the last 5 or so years and if you have they consider those details when determining a renewal or new business premium. It's not easy to tell a priori what effect a particular claim will have on premiums. But as I said it's probably best to only claim for significant losses/damage.How do increased premiums work? I didnt see anything like a no claims discount for home insurance?
Were there any mistruths involved in making such a claim?My son sat on an ibook I picked up on ebay for 300 last month, rang insurer to see if it was covered and it was. They are sending me 850 to replace it. Thank you Jebus.
By your son's bum?My son sat on an ibook I picked up on ebay for 300 last month, rang insurer to see if it was covered and it was.
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