So the cat (soon to be ex cat if I have my way) knocked over a full glass of red wine on our new (bought and fitted in August) cream carpet last night. We put loads of salt down which has soaked loads up but I've just hoovered it and we're left with a lovely big stain
It's in a bit of the carpet that can't be covered up so I'm not sure whether to just buy a new carpet - which we can't afford to do, or claim on our insurance?
I've never claimed before - would our premiums go up and what normally happens?