When I get round to buying the correct brackets, I intend to hand my plasma on the wall, however, my friend did this and it fell down a few weeks later. She called her insurance who told her she was not covered and that she had to have made them aware that it was on the wall when she hung it.
I find this very bizarre, is this normal insurance procedure?
{Dakota} Thurs 17/04/08 23:48
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I renewed my annual household contents insurance 3 weeks ago.
I told them that I had recently bought a new 37'' wide-screen TV to see if it made any difference to the insurance price, which it didn't.
They never asked whether it was fitted on the wall, which it isn't, and I would have thought its THEIR job to ask. when they make the insurance policy out.
Did your friend fit the TV to the wall herself or did she have professionals to do it?
Typical Insurance companies, Grrr
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Question Author
I thought it was areally weird clause, but you never know with insurance comanies these days!
I think her hubby put it up (not very well, apparently LOL)
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If your friend paid the extra premium to include Accidental Damage cover, then it is insured. If they didn't, then it is not insured.
I suspect the latter.
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Good grief, Ray - how many questions would the insurance be expected to ask before providing cover? It is the policy holders' duty to inform the insurance company of any changes or possible hazards in the home.
Check your insurance policy and pay particular attention to the exclusions. Phone them up and check you are covered for wall mounted tvs.
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yes it's normal procedure to not cover ueless t1t's and their DIY!
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Question Author
I'm going to have to go and check my policy for accidental damage, I really thought that was part and parcel :0/
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Just a bit of practical advice - If your fixing it to a plasterboard wall you will need to fix an approx 19mm thk MDF panel to the wall which spans 2 or 3 uprights within the wall, screwed through the face into the uprights. A 37" TV will probably weigh around 30 to 40lbs (Approx 20-25Kgs)
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Best way to deal with the Insurance companies is to lie!! Treat them with the respect they give you!! I would have said it fell off the cabinet and broke.
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