Thursday, June 19, 2008
ACCIDENTAL DAMAGE COVER, BUT NOT AS WE KNOW IT!
Has the world gone mad? Mum's just been telling me about dad trying to renew the house contents insurance this week. During a phone call to an insurance company, he asked if the contents would be covered for 'accidental damage' as with their current policy. 'Only unintentional accidental damage' came the reply. Qué? They elaborated that any damage that could conceivably be inflicted intentionally, with a view to claiming a replacement item, was not covered! So if you ruin your carpet with red wine accidentally, tough! If your 2 year old draws in permanent ink on your Picasso, tough too. If you trip and fall through your glass kitchen door - again this is obviously an act of sabotage! Who is to prove a flooded kitchen wasn't caused by you hitting your radiator with a hammer? In fact we concluded that all accidents could be written off as intentional. Dad then pointed out that the bottom line was - any claim he made, would be written off with a letter to him more or less accusing him of being a liar. Needless to say, he is now looking into other insurance policies!