2 year old deliberately broke tv

[blueflowers8]

He has been a menace tonight, he usually doesn't wake until 7 - 7:30 but over the last few days it's gradually got earlier and this morning he got up stupidly early at 5:30 and hasn't napped today so he was absolutely wired this evening, pelting things around laughing like a maniac, pulling things and chucked one of his cars at the tv which smashed the screen. I constantly tell him to be careful of the tv so he knows for a fact not to do this but he's been very testing. He's in bed asleep now thank the lord but I'm so annoyed, we've had the tv only a few months and don't have money to burn.

I've never claimed anything on our house insurance before so does anyone know how this works? We are with admiral I think, is it worth it or does it just put the monthly cost right up? How do they cover a new tv and what do you have to do? Anyone had similar experiences?

It depends on your policy.

Yea depends if you paid for accidental damage and how much your excess is. It's often 250 but sometimes more

It depends on whether your policy is covered for accidental damage (don't tell them it was deliberate for goodness sake) and what the policy excess is. A lot of contents policies have quite a high excess so unless the item cost far more, then it isn't worth claiming.

Check your contents policy first to make sure you are covered for accidental damage and what your excess is. Usually you have to choose accidental damage as an extra to a basic policy, which increases the premium (so I usually don't bother as I don't have small children and am not usually accident prone). I also choose a higher excess to bring the cost down as well. So it all depends of what options you chose when you took the policy out

Then if you are covered look on line for the claims process and start. As it's new I assume you have the evidence it's recently purchased which helps a lot.

A 2 yo does not act deliberate.

He is 2.

At 2 he might have thrown something because he knew it was naughty to do, but wouldn't understand it is very expensive or that you can't fix it.

He is almost 3 and very advanced for his age, he absolutely knew what he was doing.

Your premium. In the current year wont change but it might go up next year

Without knowing the terms of your policy no one apart from the insurer will be able to give you any definite facts

Yes he definitely done it because he knew it was naughty, he's been a terror all weekend when usually he's very well behaved. We've had it literally 2 months.

Maybe, but he can’t understand the consequences of his actions at almost 3, can he?

So now he is nearly 3. He hasn't a clue about the cost of things, and whether you can replace them or not.
Yes he can be shown the right way to behave around precious things but you can't guarantee with a toddler what they are going to do.
If he was 10 then maybe.

Hang on, do you mean he's "waking" in the evening??! Because that's insane.

A consequence could be not getting tv fixed/replaced for a while, though of course that impacts you too!

No. The responsibility is yours. Not his. He is 2 yo not a grown up. Make sure he can't throw the next tv (or other expensive items).

He absolutely did not and it is concerning that you’re fixed in this mindset. He’s still a baby and while he might understand not throwing things, he has no concept of the consequences. None, not now and not even for the developmentally advanced.

I would urge you read a bit about 0-5 development as this will help you immensely in understanding his needs and how to meet them, rather than this blame game rubbish.

Yes his age is 2, but 3 in a few months so what would you prefer me to refer to as his age? 🥴 My concern and question was about replacing the TV there's always some that focus on the least important details.

So what did you do to make sure he doesn't do it again?

Everyone thinks their 3 year olds are advanced for their age. His brain isn't developed enough to realise the consequences of what he's done.

No my concern was about blame being attached to a toddler.
Maybe your insurance will cover it, maybe not.
Unfortunately the devil is in the detail and it sounds like you are blaming a toddler for destroying your tv. That seems wrong to me.

How did the OP asking a question about an insurance policy end up with her being told her language about her child is inappropriate?!?

Obviously not. "He usually doesn't wake until 7 ... this morning he got up stupidly early at 5:30...".

Because the title suggests the child deliberately did it @marigoldandrose

My 3 year old broke the tv. She was throwing a toy at her brother and missed. We joked that the brother would heal, the tv would not. Made them sit through tv with dodgy lines across it, until I'd had enough and we bought a new one, didn't contemplate insurance as our premiums would go up. Someone on work pointed out their teen broke theirs during a computer game tantrum.

Then maybe you should have used a title about how to claim on insurance rather than blaming the child?