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?

You have to look at your insurance policy - what does it say about accidental damage claims and how much excess you have to pay. It’s all in the document you have and depends very much what you signed up for excess wise and whether you have a new for old policy etc.

PS No 2 or 3 year old does damage deliberately -he may have thrown things ( sounds like the terrible twos) but he didn’t decide he was going to break the tv, no toddler has that capacity however clever they are.

He did it because he gets attention when touching it, not to break it. You can try claiming accidental damage if your contents policy covers it and excess is lower than cost but probably not worth buying an expensive replacement until he is older.

He did, didn't he? No big deal has to be made of it, but that his actions caused the broken television seems to be clear.

Because sometimes kids break stuff, in this case the child is off kilter and trying to communicate with their parent by throwing (because they are 2 and that's what 2 year olds do sometimes) and have caught the tv but the OP is saying her 2 year old deliberately threw a toy to break the tv which is all kinds of fucked up.

Won't be giving in to the awful vipers who so desperately want an argument and won't be returning back to the post and will be hiding it, so you will be wasting your time with any further comments.

Well because the child is the important thing not the tv. A child that age can grasp, to a limited extent, “this action makes mummy sad/happy” but he can’t grasp “this action breaks this thing.” Because he doesn’t have enough experience to generalize from anything else broken to the tv.

Babies/toddlers are really smart. Its not a question of that. But lots of things in this world they have never encountered before. Some things bend. Some things change form. Some things snap. How is he to know when a change in form means it no longer can be used? A toy is “broken” and it disappears or gets replaced. He can’t know that the TV, to you, is in a different category of thing. Heck: he can’t even know what it means that its broken.

We've claimed on our contents insurance for a few things and it hasn't put premiums up noticeably!

@blueflowers8 you can get really decent big TVs under £400. Or under £100 in local auctions.
I wouldn't claim on insurance in case of premium rise.

Very sorry you feel attacked.

seriously though- your child didn’t know what he was doing. They simply cannot.

Anyway- claim on your insurance. Won’t effect your premium at all. Next year just change provider and shop around.

if your child is a launcher and like to throw and see what happens drain pipes with balls and cars are great for posting things down and putting them at angles and gives that exciting cause/effect.

I am sorry, I wasn't meaning to attack either. I appreciate it may have come across that way so .
It's just that honestly a child of that age doesn't do something deliberately to cause problems. They are in the moment, they don't see consequences.
I hope you can sort out your TV.

He may have known he was throwing it. He cannot understand consequences though. So he did not deliberately break the tv.

Very simple, it really is and people ppint it out to help op and her wee boy.