Home insurance, will if cover fitting of appliances ?

[JasonM]

The wife has just managed to smash the glass induction hob, the excess for claiming is £200 so Im just weighing up if I will claim or just replace myself, its a large one at 780mm x 520mm and looking around they cost £500 ish, I guess my question is will the insurance cover installation of a new one or just the item? I can't find much about that online, obviously I can ring the insurers tomorrow ( Nationwide ) but wondered if anyone here knows in the meantime.
Thanks.

[Mick P]

Different insurance companies have different terms and conditions and different exclusions.

Without reading the contract, no one can tell you, so speak to the Broker.

[JasonM]

Thanks, Ive had a look through the paperwork and can find no mention, Ill call them tomorrow.

[draftsmann]

Given the value of the claim after the excess, the general hassle of claiming, the need to disclose the claim on future renewals, I’d look for the best price on a replacement, fit it myself and swallow the cost (or deduct from wife’s handbag/shoe allowance).

IMHO insurance is best viewed as a safety net for major disasters, not a source of reimbursement for minor mishaps.

[JasonM]

Given the value of the claim after the excess, the general hassle of claiming, the need to disclose the claim on future renewals, I’d look for the best price on a replacement, fit it myself and swallow the cost (or deduct from wife’s handbag/shoe allowance).

IMHO insurance is best viewed as a safety net for major disasters, not a source of reimbursement for minor mishaps.

Indeed, thats my thoughts too, I now just need to convince her!

[JasonM]

Ive just found a spares seller that sells the top only for £128 ... Phew.

[kungfupanda]

I managed to crack our induction hob last year. Then I put two chips in the worktop. It was enough to have a new kitchen installed which was just completed last month.

[Dave+63]

Ive just found a spares seller that sells the top only for £128 ... Phew.

Apparently they can be very temperamental to repair and won’t always work afterwards. Something to do with fine tuning the induction coils IIRC.

[Dave+63]

I knelt on our induction job a couple of years ago, contacted Miele for a price to repair and the insurance company paid out in two days.

Built in appliances come under buildings insurance whilst stand alone appliances are contents.

[theoriginaldigger]

Yes your insurance policy will cover the cost of installation.

Chris

[pitbull666]

Most supplying companies like AO charge around £90.00 to install, I have had local electricians do it for £65.00 so not the end of the world if they don’t cover installation.

Echo above I have heard of issues with glass changes on induction hobs, typically it’s best to just replace as it won’t be much more and it will be a new unit with manufacture warranty.

My company works on conventional electric hobs but with induction we only supply and install.

[Devonian]

I personally wouldn’t make a claim for £300 - the possible hassles of making a claim, the having to declare it in future years and the unknown quantity of raised premiums.