Claim insurance for cigarette burn on leather sofa...?

Question

I have home insurance up to £5000, i cant see anything in the insurance that specifically covers cigarette burns......

I also can't remember how the burn got there! Not a big burn , although that will be irrelevant, any ideas what the insurance company will likely say??

Answer 1

That will not be covered. Insurance is for major catastrophes, not for being overly negligent (which is excluded!) That would be like filing a claim for your dog crapping on the carpet. If you take your dog out, it won't c**p on the carpet, just like, if you smoke outside, you won't burn your couch.

Answer 2

If you 've never claim before and if you are covered for accidental damage, then you can claim old for new. Your premium will go up next year though.

http://www.financecomparator.co.uk/homei...

Answer 3

Just give them a call and say it appeared over the weekend after you had visitors.  Dont see there should be any problem.

Answer 4

What state or country are you in?   If you do not state that info you will not get the right answer.

Answer 5

do you have extended accidental damage cover for your contents? this should cover you for it.

the insurance company will ask how it happened and when it happened and may send an assessor out to validate the claim. and if all is ok then they will proceed with the claim.

hope this helps, good luck x

Answer 6

Yeah, they should say "Don't smoke, and you won't get cigarette burns on the sofa"

But I think it should be covered if your policy covers accidental damage.

Answer 7

Its a fire damage claim.

xxVP

Answer 8

They will absolutely not cover a cigarette burn.  Especially if you have no idea how it got there.  If they did cover it; people would do it all the time to just get new couches.  

Answer 9

I agree with the above if you have accidental cover, uit should say so in your policy however, I think that your home insurance is way too low - imagine it that cigarette not only burned your sette but your whole house/flat down - would £5000 be enough to buy back all your contents?  

Realistically you should average aim for around £1500 to 2000+ per room then add in more for jewellery, clothing, shoes, electric goods. Of course this all depends on what you have but be realistic, assess what you have and put a proper price on it - so many people are under insured and if an accident happens you'll be buggered.