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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

to ask you to help me make up a big fat LIE?

59 replies

bupcakesandcunting · 10/02/2011 12:39

We bought a new dining table last December and took out an insurance policy on it whereby if any accidental damage occured to it or the chairs, a repairman would come out and mend it for us. We asked at the time if that would cover our 3y/o doing stuff like spilling paint etc etc and the sales bloke said no because it is OUR responsibility to make sure our kid doesn't wreck the table. Fair enough.

On tuesday, was at home with poorly DS and poorly DH, not feeling on top form myself. My friend came round with her little boy and basically I forgot to put a cloth on the table while the boys were in the dining room. Went in a few minutes later and they were playing toy cars on top of the table and there are 3 bad scratches on it :(

I need to call the shop and ask for a repair but they won't cover me if I say "yeah the kids were using it as a Formula 1 track for the Matchbox cars" I can't think of what I could say happened without getting rumbled but I need it fixed before DH sees it and has a diva fit, oh God. I need to come up with a plausible fib and fast. Help me :(

OP posts:

allsquareknickersnofurcoat · 10/02/2011 12:41

Something heavy on it and you moved it and it scratched? Did that to my coffee table with my tortoise tank...

Original poster

bupcakesandcunting · 10/02/2011 12:42

I did think of that but I can't work out whether they will say accident or careless

OP posts:

LongtimeinBrussels · 10/02/2011 12:42

Our table got badly scratched with a staple on the back of a document. Can't quite remember exactly how it happened though. That any help?

LindyHemming · 10/02/2011 12:42

This reply has been deleted

Message withdrawn at poster's request.

JarethTheGoblinKing · 10/02/2011 12:42

Check your home insurance policy for accidental damage - it should cover things like this.

Why do you need to come up with a fib, just tell him what happened..

JarethTheGoblinKing · 10/02/2011 12:43

..or deny any knowledge and blame him

BuzzLiteBeer · 10/02/2011 12:43

Trick to a good lie is to keep it as close to the truth as you can. A vintage car model on the table, you moved it and it scratched the surface?

Thingumy · 10/02/2011 12:44

Is it glass or wood?

Original poster

bupcakesandcunting · 10/02/2011 12:44

Jareth, they specifically said kids being careless with toys/paints etc would not be covered.

Also, quite like lying.

OP posts:

Original poster

bupcakesandcunting · 10/02/2011 12:44

It is wood Thingumy.

OP posts:

GandalfyCarawak · 10/02/2011 12:44

A light fitting fell on it?

Original poster

bupcakesandcunting · 10/02/2011 12:45

OOOOOOOOOOOOOOOOH Gandalfy, that is gooood.

OP posts:

MrSpoc · 10/02/2011 12:46

you have accidental damage cover. the clue is in the title. if it was an accident then no matter who did it you are covered.

So the sales man saying you have to control your son is talking bollocks. accidents happen.

Thingumy · 10/02/2011 12:47

I'd go with the light falling lie.

Bumpsadaisie · 10/02/2011 12:49

I sympathise, but you do need to be careful you don't get found out - it is a criminal offence to defraud an insurance company ...

JarethTheGoblinKing · 10/02/2011 12:49

Sorry, I misunderstood - it sounded like you'd taken out a policy with the table (rather than as part of your home insurance)

Asteria · 10/02/2011 12:49

the catch on the back of your bra must have rubbed on it....
I claimed for a dining table that the leg fell off - it was done whilst we were "moving" - NOT during the christening of the house

onimolap · 10/02/2011 12:52

Fraud is an offence, and it's also why everyone's premiums are so high.

Claim under your normal home contents insurance, which is likely to cover accidental damage.

BuzzLiteBeer · 10/02/2011 12:54

she has accidental damage cover on it, its not fraud.

Original poster

bupcakesandcunting · 10/02/2011 12:57

I don't think I'm de-frauding. I'm not claiming for a new table, I'm requesting for a man to come out with some wood paint to touch up a scratch. I'm just on shaky ground as to what constitutes an accident and what does not.

OP posts:

allsquareknickersnofurcoat · 10/02/2011 12:59

With the telling the truth suggestion, would it make any difference to the company if they werent your kids??

Fake a burgulary, hide some stuff, claim for a new 100" TV () and claim the burgulars did it

My DH suggested a ghost

Original poster

bupcakesandcunting · 10/02/2011 13:00

LOL at ghost.

I was thinking of embellishing the truth and saying kids were playing on the table which was covered with the oilcloth but the toy scratched through the oilcloth...

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onimolap · 10/02/2011 13:00

Sorry, I though the whole point was that the type of damage was specifically included from the table-specific bit. Premiums are calculated (amongst other things) on the level of protection and exclusions. Trying to claim for an excluded event is fraud.

But if she has a separate home contents policy that covers all forms of accidental damage, then I'm getting a bit lost, as I don't see why there's any need to lie.

cerealqueen · 10/02/2011 13:02

Read the documentation of the cover, don't just take the salesperson's word., then you can claim with a clear conscience.

This is designed to stop some people claiming I'm sure. Accidents do happen.

Original poster

bupcakesandcunting · 10/02/2011 13:03

I wouldn't say it was fraud as I'm not diddling them out of any money, bar a few pence for some wood paint.

Will this put me up there with Frank Abignale if I pull it off?

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