Home Contents Insurance....?

Discussion in 'Waffle' started by djpeach, Apr 5, 2012.

  1. djpeach

    djpeach Original Nuttah

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    I'll cut to the chase. Last month i got my DJM800 nicked on a train. Luckily, it is covered by my home contents insurance (minus £200 excess).

    So my insurer has asked for 2 documents: a proof of ownership and a replacement value estimate. Unfortunately the only proof of ownership i have is the original invoice from ebay for £620. As it turns out, the mixer was in incredible condition in its box and less than 20 hours use inside somebody's home studio ( could have been mistaken for being brand new).

    so what can i get away with here? They know that i bought it for £620 but it was clearly worth more... They are still selling for over a grand in the shops. Is it fair to expect a new one as a replacement?

    Thanks!
     
  2. logikz

    logikz I Am Not The King Tribal Leader VIP Junglist

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    it was me what done it. i got ten beans for it. boshed them all mate.
     
  3. Teddy

    Teddy 60% Tribal Leader VIP Junglist

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    how ?
     
  4. 3rd degree

    3rd degree Member

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    :lol::lol::lol:
     
  5. hazdaman100

    hazdaman100 Bum 'n Face VIP Junglist

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    how it get nicked on a train......?
     
  6. Freek

    Freek Lets get freeeeeeky VIP Junglist

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    Unfortunately for an insurer to indemnify you they are only required to leave you in the same financial position before the item was stolen. They are well within their rights to offer you the cash value of what you paid as replacing the item is as you said a hell of a lot more expensive. If they purchase you a brand new mixer it would be seen as "betterment" which would in actual fact be the insurer breaking the law.

    Its worth a try though mate, explain the situation and explain there is no way of replacing for that value. see what they say...
     
  7. hyperd4eva

    hyperd4eva H&M SCARVES VIP Junglist

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    Sorry to hear that buddy.
     
  8. $marty

    $marty Dexcell Tribal Leader VIP Junglist

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    Fucking LOL. Sorry Peach. How long have you had insurance for?
     
  9. miszt

    miszt BASSFACE Royale VIP Junglist

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    does that also apply to insurance cover which specifies 'replace as new'?
     
  10. Freek

    Freek Lets get freeeeeeky VIP Junglist

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    nah, if u purchase a policy that specifies like for like replacement, then you will be provided with a like for like. But to get this cover you would have had to purchase the product from new. It is very unlikely you would be offered a like for like policy on an item that is second hand... its just general policies will always only cover what you can prove you paid.
     
    Last edited: Apr 5, 2012
  11. A-JAY

    A-JAY Active Member VIP Junglist

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    provide your invoice from ebay and then provide proof of how much it is going to cost to replace like for like and see what the outcome is.

    Thats all you can do.
     
  12. ThePapa

    ThePapa Suffragette City.. VIP Junglist

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    I really should get insurance...
     
  13. logikz

    logikz I Am Not The King Tribal Leader VIP Junglist

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    shut up david. youre barely fit to wear trousers.