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Home insurance

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  • 06-11-2011 9:44pm
    #1
    Glenvw
    Registered Users Posts: 57 ✭✭


    Hi new to boards and just wanted to know if my home insurance would cover broken kitchen tiles. I have noticed that their is three cracked in different areas around kitchen. Thanks


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    #2
    Paulw
    Registered Users Posts: 13,381 ✭✭✭✭Paulw


    More than likely, the cost would be much less than your insurance excess.

    Check your policy before you even think of submitting a claim.


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    #3
    P_1
    Registered Users Posts: 14,681 ✭✭✭✭P_1


    I'd check the excess before you go and claim if I were you. Really if the cost of replacing them is less than 500 euro it would be fairly pointless to claim.


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    #4
    Glenvw
    Registered Users Posts: 57 ✭✭Glenvw


    pithater1 wrote: »
    I'd check the excess before you go and claim if I were you. Really if the cost of replacing them is less than 500 euro it would be fairly pointless to claim.
    Thanks very much for reply will check policy for excess amount


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    #5
    Ray Palmer
    Registered Users Posts: 8,394 ✭✭✭Ray Palmer


    pithater1 wrote: »
    I'd check the excess before you go and claim if I were you. Really if the cost of replacing them is less than 500 euro it would be fairly pointless to claim.
    In fairness you sould get a room tiled for that so it should be much less.

    OP I'd be wondering why your tiles cracked. It could be heat, which means the tiles aren't the right tiles for the location or more worrying movement in the wall behind the tiles.

    It is a simple job to replace the tiles yourself.


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    #6
    Lantus
    Registered Users Posts: 3,027 ✭✭✭Lantus


    NEVER! and I mean NEVER claim for a small item like this on your insurance. Your insurance should be to cover you for massive loss like fire, total theft or house collapse.

    Far too many people claim for a broken tv or smashed window but this will actually cost you so much more in the long run. Insurance companies want you to believe that you should cover things like tvs or ipads for accidental damage (i.e. you drop them) but if you claim your insurance annual fee may double or even triple. You will end up paying this higher amount for years to come. Basically you pay thousands extra for something that wasn't worth it to replace. The insurance companies are now rubbing their hands together at your silly mistake as you line their pockets wth gold.


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    #7
    Ray Palmer
    Registered Users Posts: 8,394 ✭✭✭Ray Palmer


    Lantus wrote: »
    NEVER! and I mean NEVER claim for a small item like this on your insurance. Your insurance should be to cover you for massive loss like fire, total theft or house collapse.

    Far too many people claim for a broken tv or smashed window but this will actually cost you so much more in the long run. Insurance companies want you to believe that you should cover things like tvs or ipads for accidental damage (i.e. you drop them) but if you claim your insurance annual fee may double or even triple. You will end up paying this higher amount for years to come. Basically you pay thousands extra for something that wasn't worth it to replace. The insurance companies are now rubbing their hands together at your silly mistake as you line their pockets wth gold.
    Your insurance should not increase for claims like that. It will increase after flood or fire but not accidental damage. Claimed a few things over the years on properties and it rarely increased the premium. Flooding did but it went up in the entire area not because of my claim. I claimed for a bust water tank two years ago that I caused and there was no increase


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