by Tulip » Fri Jul 17, 2009 10:49 am
We have a householder's policy, which covers my refrigerator, among other things. It is 7 years old now and in a bad condition. If it breaks down now, will I be able to make a claim? Is compensation given if the reason for breakdown is normal wear and tear? Or, does this policy cover only accidental breakdown?
Posted: Fri Jul 17, 2009 11:56 am Post Subject:
It is 7 years old now and in a bad condition. If it breaks down now, will I be able to make a claim?
No, not unless it breaks due to a named peril in the policy, (ie fire, theft etc)Is compensation given if the reason for breakdown is normal wear and tear?
Absolutely not, in fact all policy specifically exclude this type of damage.Or, does this policy cover only accidental breakdown?
All losses must be 'sudden and accidental', most are 'named perils' meaning the damage had to be caused by one of the perils named in the policy.Add your comment