Can I claim a broken toe off my own house insurance?

Question

I was getting something out of the kitchen cupboard and knocked over a large cooking dish, it landed on my big toe and broke the toe. Can I claim off my own insurance? We have fully comp cover but i dunno ifhiscan be done?

Answer 1

no. that was your mishap, not your house's. if a wall fell and broke your toe, sure. but not over dropping something yourself.

Answer 2

Wear steel toecaps in the kitchen in future.

You may laugh but if you were to even TRY a claim they will insist you do this.

Answer 3

No. Home insurance never covers the owner or the owners relitives. this is done to prevent fraud.

Answer 4

Absolutely!

Answer 5

I wouldn't! It will increase your premiums!

Answer 6

Not unless your toe is part of the house. Try your health insurance.

Answer 7

Honestly, I really don't think so....but, all you can do is try. I know that I wouldn't be able to. Ouch.....hope the toe feels better soon.

Answer 8

no i dont think so its only a toe anyway but my friend broke their toe and got an award for coming in with a broken toe

Answer 9

Respect and peace to you. You can ask your insurance company and phone them up and see, but if there is a dispute over negligence, then maybe you would end up suing 'yourself' if it was found that it was your own fault that you broke your toe. So - I doubt it very much. Interesting question though LOL. - soz about your toe.......

Answer 10

Your homeowner's insurance does not cover your medical costs.

Answer 11

no even if you could the deductible would cost more that it would to fix your toe. you need to use your health insurnace not homeowners

Answer 12

Home insurance covers lots of different things. I'm not familiar with all the details of my home policy, but my homeowners insurance agent is always helpful. Try contacting your agent or a homeowners agent in your town. http://www.usinsuranceadvisor.com/Home-I... They will be able to help you.

Answer 13

I doubt it, but if you don't beleive the answers, you can read the policy documents.

Answer 14

I think you will find that your insurance is for Public Liability and does not cover Personal Injury. Nice try though. I would still check the policy. LOL

Answer 15

I very much doubt that you can!

Answer 16

No you can't, house insurance only covers your home & the items in it, not you. That's why we have the NHS!

Answer 17

I wish you could, I broke 2 toes on my ironing board last year.