ARCHIVED FORUM -- March 2012 to February 2022READ ONLY FORUM
This is the second Archived Forum which was active between 1st March 2012 and 23rd February 2022
I'm sure most people have read about my Beovision 7-32 that went faulty and my grumbles about it. Honestly I shouldn't complain as I bought it from a very wealthy lady who didn't want it and I paid R2000.00 which is about 90 pounds.
Anyway the Beovision went totally faulty and I decided to put in an insurance claim and they have approved my claim. So they will be replacing it with a brand new Beovision 11-40 with motorised stand
My first brand new Beovision!! They even having installers coming to set it up! Its going to be a long 2-3 weeks wait!
That sounds too good to be true... did you have to tell them a fib??
Dave: That sounds too good to be true... did you have to tell them a fib??
Hahhahaha Dave, no I didn't! I just said its gone faulty and we had a few power problems in our area and their technician who came to assess the TV couldn't rule out that as a cause. They actually sent two assessors to check it out. So I think I am very very lucky! Never thought it would happen to me. Can't wait to see sealed B&O boxes at my door!
Hi Ben,
good for you, certainly!
I wonder what kind of insurrance, that is - how much do you pay for that?
Please tell them to open an office in Denmark and/or Germany ;-)
MM
There is a tv - and there is a BV
Millemissen: Hi Ben, good for you, certainly! I wonder what kind of insurrance, that is - how much do you pay for that? Please tell them to open an office in Denmark and/or Germany ;-) MM
Thanks MM! I have never claimed any insurance ever in my life which is maybe why they are being more generous with me.
BenSA: Thanks MM! I have never claimed any insurance ever in my life which is maybe why they are being more generous with me.
Do they know it was purchased second hand for £90?
Duels: BenSA: Thanks MM! I have never claimed any insurance ever in my life which is maybe why they are being more generous with me. Do they know it was purchased second hand for £90?
No they do not. They didn't ask. Policy of the insurance is that they replace like for like hence why they probably have not asked! I'm busy choosing whether I want silver or black surround and what colour speaker cloth!
BeoGreg:They replace like for like. Good. But I must miss something here. A second hand 32" tv is not a brand new 40" tv. Or is it ?
A second hand 32" tv is not a brand new 40" tv. Or is it ?
Well B&O don't make 32" anymore so the next one would be the 40" and since they have to replace B&O with B&O they have no choice!
They came and viewed the tv and I certainly can't force them to replace it.
Duels:Well I hope your insurance assessor doesn't read this thread.
They can read the thread as they approved the claim. I informed them the TV screen was faulty and they accepted it.
I experienced similar luck. It's important to check the insurance terms and conditions when insuring B&O... I had DVD1 stolen and they replaced it with BC2 - brilliant
Dave: I experienced similar luck. It's important to check the insurance terms and conditions when insuring B&O... I had DVD1 stolen and they replaced it with BC2 - brilliant
Exactly - I clearly have a very good policy
Are folks here insuring their B&O with coverage apart from "homeowners" or "renters" policies? I usually just add on these items to my homeowners / renter's policy, but I'm curious if others do something differently.
For interest sake....the insurance phoned me today and they are sending an auction house to collect my broken Beovision 7-32, it is going to be put on auction.
Some poor person is going to bid on it and a buy something that is not repairable. I certainly don't feel guilty about claiming but I do feel bad for the new owner of the broken Beovision 7! The insurance actually forgot about collecting it and I reminded them, thinking I was doing the right thing not knowing what was going to happen to it. I should have said nothing.
Sal: Are folks here insuring their B&O with coverage apart from "homeowners" or "renters" policies? I usually just add on these items to my homeowners / renter's policy, but I'm curious if others do something differently.
I just rely on my contents insurance. I have to pay the first part of any claim ( haven't ever needed to do it and can't remember the amount). It's a new for old type policy with no wear and tear deduction, so with any luck I would get the latest version of whatever got stolen. Some insurers seem to have started giving out vouchers for certain stores, so, for example, if you had a bike stolen you would be required to get a replacement from a particular retail chain. No doubt the insurer and retailer have their own deal going.
Graham
My insurance company also replaces old with new - Hiscox - an excellent company - not made a big claim for many years but had to claim a good many years ago and they simply paid up - completely recommended.
Peter
vikinger: Sal: Are folks here insuring their B&O with coverage apart from "homeowners" or "renters" policies? I usually just add on these items to my homeowners / renter's policy, but I'm curious if others do something differently. I just rely on my contents insurance. I have to pay the first part of any claim ( haven't ever needed to do it and can't remember the amount). It's a new for old type policy with no wear and tear deduction, so with any luck I would get the latest version of whatever got stolen. Some insurers seem to have started giving out vouchers for certain stores, so, for example, if you had a bike stolen you would be required to get a replacement from a particular retail chain. No doubt the insurer and retailer have their own deal going. Graham
I looked into this in some detail last time I renewed my contents insurance - mainly because we had experienced water entering from outside through our boiler just hours before we left for our two week tour of Denmark in August. I've been doing extensive renovations to the house, and consequently all of my B&O kit was "safely" stored away in one room, and it was that room that had water coming through the ceiling!
Luckily, with the exception of an old BV6, none of my gear got wet, but had the leak occurred 24 hours later it would likely have continued unchecked for the whole time we were away and I have no doubt that we would have returned home to collapsed ceilings and a room full of wrecked equipment. It was this thought of how much worse it could have been that prompted me to check all the insurance terms with a fine tooth comb when I was shopping around for my next policy.
Policies do seem to vary widely with regard to which items need to be declared individually. Generally it is 'valuables' and 'high risk items', above a certain value, that need to be listed - but the definition of these two categories seems to vary from insurer to insurer. The definitions in my current policy make it quite clear that 'non-portable' (those that can function only whilst connected to the mains) electrical items (including televisions and audio equipment) do not need to be declared, irrespective of value, so hopefully I'd have no nasty surprises if the worst did occur.
On the subject of vouchers, this is becoming increasingly common in the UK, but the ombudsman have stated that this should only occur if the retailer at which the vouchers can be spent are able to supply a like-for-like replacement, so I think you would have a strong case to request that alternative steps were taken if an insurer tried to do this in response to a claim for damaged / stolen B&O items.
Martin.
Nice one Ben! Please PM me the name of your insurance :D My insurance wants me to specify the B&O items as "high value"
ari: Nice one Ben! Please PM me the name of your insurance :D My insurance wants me to specify the B&O items as "high value"
Hi Ari
I have sent you a PM about which insurance company I use. I didn't have to specify my B&O has high value.