Nephew broke tv, what to do ?

[mousemole]

I've no idea to do about this. My nephew accidentally fired a wooden arrow at our plasma tv yesterday and broke the screen, Tv cost £1600 18 months ago. It's now in the sale for £800. My brother has offered to pay for a new one, knowing that claiming on insurance will push our premiums up, plus the excess is £250. I feel awful asking him to replace it. On the other hand we are now without a Tv that cost us a lot of money.
Ideas please ??

I would probably suck up the excess tbh. Or go halves. Accidents happen, it's not worth a fall out.

Claiming on the insurance won't push your premiums up by £550 worth of extra premiums.

Really? I have never claimed on insurance, but would have thought that this is the case (maybe not in the first year, but maybe over a few years).

If you switch companies any new company will ask if you have had a claim in the last XX years.

You could offer to split the new tv.

I would take your brother's offer.
Doesn't their insurance cover accidents by them away from home? I think some have that option.

Although it also depends on who gave the boy the arrows.
If it was you, then I'd take the full cost of the tv.

Be careful with insurance with our policy we can only make two claims then insurance is void. Even if that doesn't happen your premiums will go up.

Will the insurance pay the £1600 new price or the sale price?

Some policies will pay what you paid, some just stipulate like for like.

you could end up with a profit!

We have had to claim 3 times in the last 8 years.
Our premiums aren't higher.
It does depend who you are insured with though.

There might not have been any adults present at the time but I'm guessing some adults knew he was unsupervised in a room with a bow and wooden arrows?

My niece once got blue paint over my expensive hallway runner and wrecked it. My SIL never offered to pay. To be honest I had to accept that I knew I'd left bottles of poster paint in reach. What I didnt know that at 8yo she'd decide it was ok to open them without telling them. But I shouldn't have let the paint there, plus my dd sat and watched without coming to tell me. Mot be honest even of sil had offered I'd have declined.

Blimey, am I the only one who baulked at how expensive this TV is? Even sale price?

OP still hasn't said how old child is / who was in charge etc but quite frankly I'd be banning wooden arrows in any room that had a TV worth £1600!!

Be careful and ask for all options when calling insurance. We claimed for a brown 42" plasma. Read your insurance carefully. Some will match like for like, or as in ours, they would only match on functionality. So freeview, screen size, plasma - that's all and they'll go for the best price so you might end up with a Daewoo instead of a LG. Read the policy carefully.

We were lucky - we offered to take a bank transfer and deal with logistics ourselves, and found the same tv in the sale.

We told our new insurance about the claims and the policy was still really good value.

No point having insurance and being afraid to use it, especially for such a large amount of money.

Do most people have accidental damage cover as standard these days?

It's not something we've ever taken out

Do ask your DB to repay the excess PLUS any amount that might be deducted from the £800. The damage is their responsibility, so that is fair.
I've recently claimed on an expensive gadget damaged by a visitor and I was shocked by how much was deducted because it was 2 yrs old.

btw: When I was in Germany, a neighbour's lad damaged a gadget I'd left outside. His parents took responsibility immediately, no excuses and their liability insurance paid for the £1k+ repairs in full. Such imsurance is normal there - my insurance would have required names and then claimed against the parents.