10-07-2003, 00:33
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#1
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Inactive
Join Date: Jul 2003
Location: Yorkshire
Posts: 162
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Insurance
Could anybody please tell me if Animal Damage is covered by your house hold insurance . I have read my policy but they are not the clearest of things ..
The reason i ask is because our new puppy has decieded to eat the dinning room carpet.
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10-07-2003, 00:34
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#2
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Inactive
Join Date: Jun 2003
Location: Ex-CWC Wirral
Age: 37
Posts: 295
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Depends, each insurance policy varies, but it is probably covered.
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10-07-2003, 00:39
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#3
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cf.mega poser
Join Date: Jun 2003
Posts: 16,687
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In what way was your animal damaged from eating the carpet?
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10-07-2003, 00:40
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#4
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Inactive
Join Date: Jun 2003
Location: Ex-CWC Wirral
Age: 37
Posts: 295
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I think he means more the carpet was damaged from the animal eating it
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10-07-2003, 00:43
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#5
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cf.mega poser
Join Date: Jun 2003
Posts: 16,687
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Quote:
Originally posted by matty4donna
I think he means more the carpet was damaged from the animal eating it
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Really???? :p
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10-07-2003, 00:47
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#6
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Permanently Banned
Join Date: Jun 2003
Location: On a forum somewhere
Posts: 447
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Oh dear I see this as falling into disarray very quickly.
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10-07-2003, 00:51
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#7
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Inactive
Join Date: Jul 2003
Location: Yorkshire
Posts: 162
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Let me just put it straight before we go off on a tangent There was no animal damage before or even after the event .
The animal damaged the carpet
fhew glad we cleared that one up early
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10-07-2003, 00:53
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#8
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Permanently Banned
Join Date: Jun 2003
Location: On a forum somewhere
Posts: 447
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good job there too tomw.
so the carpet has been eaten by your dog.
dont think you will be covered for that
Sorry
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10-07-2003, 00:54
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#9
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cf.mega poser
Join Date: Jun 2003
Posts: 16,687
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Quote:
Originally posted by tomw
Let me just put it straight before we go off on a tangent There was no animal damage before or even after the event .
The animal damaged the carpet
fhew glad we cleared that one up early
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To add a serious note to this thread, I guess it depends on the insurance. Give them a call in the morning.
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10-07-2003, 01:13
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#10
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Inactive
Join Date: Jun 2003
Location: Whitworth
Age: 54
Services: Sky Q, Bt Infinity
Posts: 1,546
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Check the small print matey. If there is always a small bit they add in for things like this.
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10-07-2003, 01:20
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#11
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Inactive
Join Date: Jul 2003
Location: Yorkshire
Posts: 162
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I have tried to read the small print but there dosent seem to be anything about animals in it but like you said they always seem to have a get out clause of something or another
The reason i havnt phoned is because when you call now all call are logged on a national database so as to catch unscrupulus people over claming for everything and always changing insurance companys.
But if it is something that you are covered for if you tell them i will tell them and then wait for him to eat some more as he is only a puppy and it is enevatable that he will do it again
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10-07-2003, 09:06
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#12
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Guest
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if you have accidental cover on contents your more likely to be covered. If you have standard cover very unlikely they will pay
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10-07-2003, 10:42
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#13
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Inactive
Join Date: Jun 2003
Services: Cablevision
Posts: 8,305
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Quote:
Originally posted by tomw
Could anybody please tell me if Animal Damage is covered by your house hold insurance . I have read my policy but they are not the clearest of things ..
The reason i ask is because our new puppy has decieded to eat the dinning room carpet.
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Accidental damage caused by your own animals is not normally covered. Accidental damage caused by other peoples animals is usually covered.
So if you were looking after you sisters dog who got upset and chewed up the carpet then you are covered.
If your dog got anxious and chewed up the carpet then tough.
You need the accidental damage options for any of this to be true.
I think that they consider that the dog intended to do the damage, hence it is not accidental but intentional.
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10-07-2003, 11:40
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#14
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Inactive
Join Date: Jun 2003
Location: Hampshire
Services: Yeah Baby! ;)
Posts: 5,684
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Give the insurance company a call.
My friends' dog ran out in the road a couple of months ago in front of a car. The dog wasn't too badly off, but the car bumber was absolutely ruined, and the quote to fix this was over £700. My frineds house insurance covered this - you may be lucky!
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10-07-2003, 11:52
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#15
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cf.mega poser
Join Date: Jun 2003
Posts: 16,687
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Quote:
Originally posted by orangebird
Give the insurance company a call.
My friends' dog ran out in the road a couple of months ago in front of a car. The dog wasn't too badly off, but the car bumber was absolutely ruined, and the quote to fix this was over £700. My frineds house insurance covered this - you may be lucky!
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I agree give them a call.
Orangebird: that is probably because your friend's house insurance includes public liability. I get the impression that few people are aware of this option. Insurance to cover yourself for liability costs next to nothing (~£10 a year for a cover of say a million quid). This covers (accidental) damage by you, your pets or kids, provided the damage is done to another party.
I once borrowed my gfs photo camera, and managed to get it nicked. The insurance paid £250, as I was liable for the damage.
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