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429 posts

Ultimate Geek


# 180737 19-Sep-2015 20:19
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Hi geeks,

So my 2 year old daughter today found a small screwdriver in a drawer and, while watching TV unsupervised (parents of the year we're not) decided to help Blaze and the Monster Machines "fix" one of their friends on the screen... (I suspect it was Darington... I've never liked that little fecker...).

Anyway, nuts and bolts of it is that my Samsung PS50C7000YM has met it's end by way of an impact spiderweb/star crack measuring about 12 cm in diameter. It now power cycles on startup for about 60 seconds with no sign of life on screen whatsoever, before briefly providing audio feed and then powering down completely. 

I've lodged an online claim with State as their lines are closed for the night - supplying photos of the damaged screen, the receipt and the model details from the back of the TV - but am wondering what outcome I can expect. I've never EVER made a claim on contents insurance before so am not sure what will happen...

The TV is 4.5 years old but was top of the range when bought (3D, smart (sort of) functionality etc.) and cost $2530 after a fair bit of haggling down from $2799.

Anyone have any experience in this realm? Should I get full replacement cost to the value of what I originally paid or does depreciation apply? I'd like to have my ducks in a row as I've heard rumours that insurance claims assessors are paid bonuses to get the cheapest result possible for the company...

Feedback anyone?

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412 posts

Ultimate Geek


  # 1390439 19-Sep-2015 20:46
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It really depends on your policy...

for a tv most companies will replace on the closest replacement features wise
so my guess would be Samsung J5500as

 

But that's only my guess/experience




 The views expressed by me are not necessarily those of my employer


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  # 1390441 19-Sep-2015 20:51
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petty sure you will get an equivalent model from today's range, so i doubt it will be a top of the line one. i would suspect in the realm of $1500

read the policy wording :)

comprehensive
https://www.state.co.nz/PDFs/State_Contents_Comprehensive_PW.pdf 
essentials
https://www.state.co.nz/PDFs/State_Contents_Essentials_PW.pdf

i got 2 laptops stolen, both about 4.5 years old, and they were circa 1200-1500 when we got them, we got 2 $750 laptops as their replacements.

most tvs these days will be better than your 4.5 year old one :)

 
 
 
 




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Ultimate Geek


  # 1390442 19-Sep-2015 20:53
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hyperman: It really depends on your policy...

for a tv most companies will replace on the closest replacement features wise
so my guess would be Samsung J5500as But that's only my guess/experience


I've got comprehensive insurance from state.

Going to have a browse through the policy wording - that should be riveting...

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  # 1390443 19-Sep-2015 21:00
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JEDENZED:
hyperman: It really depends on your policy...

for a tv most companies will replace on the closest replacement features wise
so my guess would be Samsung J5500as But that's only my guess/experience


I've got comprehensive insurance from state.

Going to have a browse through the policy wording - that should be riveting...


page 4 :)



429 posts

Ultimate Geek


  # 1390446 19-Sep-2015 21:08
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Jase2985:
JEDENZED:
hyperman: It really depends on your policy...

for a tv most companies will replace on the closest replacement features wise
so my guess would be Samsung J5500as But that's only my guess/experience


I've got comprehensive insurance from state.

Going to have a browse through the policy wording - that should be riveting...


page 4 :)


Yep, thanks for that Jase2985.

The paragraph that seems to apply to me states:

Contents covered for repair or replacement - All contents are covered for replacement, except those listed in ‘Contents covered for present value’ below and any item you choose not to repair or replace. For contents covered for replacement, we can choose either to pay the cost of repairing an item as close as possible to its condition when it was new, or the cost of replacing it

TV's are not listed among "Present Value" items (interestingly, computer hardware over 5 years old is) so a repair or replacement it should be... It will be interesting to hear how they determine the cost of replacing it though, I'll have to wait to hear from them!



429 posts

Ultimate Geek


  # 1390450 19-Sep-2015 21:33
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Jase2985: most tvs these days will be better than your 4.5 year old one :)


Dunno about that - hard to beat a really good plasma TV (which this was) for true blacks and smooth motion refresh rates... I'd be after at least a 100hz LCD/LED as opposed to the lower range 50hz models that might be a few hundy cheaper...

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Ultimate Geek

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  # 1390453 19-Sep-2015 21:37
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I came into the lounge to find my under 2 year old hitting the TV with his toy box. By doing that we had lost a few lines of pixels. Rang my insurance company the next day in the morning, in less than 24 hours i had a brand new top of the line tv sitting in my lounge.

I went from a sony KLV4000 to a KDLW850. My old tv was at least 6 years old.

 
 
 
 




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Ultimate Geek


  # 1390461 19-Sep-2015 21:50
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Fabian: I came into the lounge to find my under 2 year old hitting the TV with his toy box. By doing that we had lost a few lines of pixels. Rang my insurance company the next day in the morning, in less than 24 hours i had a brand new top of the line tv sitting in my lounge.

I went from a sony KLV4000 to a KDLW850. My old tv was at least 6 years old.


That's a result for me to dream of overnight... Who was your insurance with?

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  # 1390476 19-Sep-2015 22:06
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JEDENZED:
Jase2985: most tvs these days will be better than your 4.5 year old one :)


Dunno about that - hard to beat a really good plasma TV (which this was) for true blacks and smooth motion refresh rates... I'd be after at least a 100hz LCD/LED as opposed to the lower range 50hz models that might be a few hundy cheaper...


you generally dont get a choice in the matter, they have a company that sorts it out for you.



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  # 1390481 19-Sep-2015 22:26
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JEDENZED:
Fabian: I came into the lounge to find my under 2 year old hitting the TV with his toy box. By doing that we had lost a few lines of pixels. Rang my insurance company the next day in the morning, in less than 24 hours i had a brand new top of the line tv sitting in my lounge.

I went from a sony KLV4000 to a KDLW850. My old tv was at least 6 years old.


That's a result for me to dream of overnight... Who was your insurance with?


Lumely. Wife flooded the sink upstairs while I was overseas (of course), water started leaking through the down light into the lounge. Not much but enough to to put a 50cent size mark around the light. Within a week we had sparky's checking the wires, builders coming to check for water damage in the wood and had a painter come around and repainted the entire lounge, kitchen and dining room ceiling. That was when our excess was only $50 (before chch).

I guess everyone only tells the bad stories of insurance. I do have a bad story of AMI with our car and them accusing my then pregnant wife of being drunk only due to the time of incident and location but that's a long story. I got an apology out of them in the end though.



429 posts

Ultimate Geek


  # 1390520 20-Sep-2015 08:32
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Fabian:
JEDENZED:
Fabian: I came into the lounge to find my under 2 year old hitting the TV with his toy box. By doing that we had lost a few lines of pixels. Rang my insurance company the next day in the morning, in less than 24 hours i had a brand new top of the line tv sitting in my lounge.

I went from a sony KLV4000 to a KDLW850. My old tv was at least 6 years old.


That's a result for me to dream of overnight... Who was your insurance with?


Lumely. Wife flooded the sink upstairs while I was overseas (of course), water started leaking through the down light into the lounge. Not much but enough to to put a 50cent size mark around the light. Within a week we had sparky's checking the wires, builders coming to check for water damage in the wood and had a painter come around and repainted the entire lounge, kitchen and dining room ceiling. That was when our excess was only $50 (before chch).

I guess everyone only tells the bad stories of insurance. I do have a bad story of AMI with our car and them accusing my then pregnant wife of being drunk only due to the time of incident and location but that's a long story. I got an apology out of them in the end though.


Never heard of Lumley - will see how State go anyway and might look into the cost of a similar policy from Lumley next week, just out of interest...

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  # 1390525 20-Sep-2015 08:59
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every claim ive had with state, 1x home and contents, and about 5x car, they have been excellent (non have been our fault) very fast and everyone on the phone has been pleasant and easy to deal with



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Ultimate Geek


  # 1390596 20-Sep-2015 13:37
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Jase2985: every claim ive had with state, 1x home and contents, and about 5x car, they have been excellent (non have been our fault) very fast and everyone on the phone has been pleasant and easy to deal with


I spoke with a lovely, helpful lady this morning who immediately issued Noel Leeming HQ with an authority to supply a replacement. She advised that NL are charged with determining the replacement value but if I'm not happy with their suggestion(s) I should go back to her for further discussion and to potentially use a different supplier.

She marked my case urgent (because of the World Cup being on, ha!) and told me to expect a call from NL tomorrow to arrange a store visit. I'll have to pay my excess of $250 direct to the eventual supplier of the TV which seems like a good, simple solution to me... plus, my no claims bonus remains intact so long as I don't have any further claims in this cycle period.

Pleased so far with the service from State, let's see what NL come up with!

Baby Get Shaky!
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  # 1390597 20-Sep-2015 13:51
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Fabian:
JEDENZED:
Fabian: I came into the lounge to find my under 2 year old hitting the TV with his toy box. By doing that we had lost a few lines of pixels. Rang my insurance company the next day in the morning, in less than 24 hours i had a brand new top of the line tv sitting in my lounge.

I went from a sony KLV4000 to a KDLW850. My old tv was at least 6 years old.


That's a result for me to dream of overnight... Who was your insurance with?


Lumely. Wife flooded the sink upstairs while I was overseas (of course), water started leaking through the down light into the lounge. Not much but enough to to put a 50cent size mark around the light. Within a week we had sparky's checking the wires, builders coming to check for water damage in the wood and had a painter come around and repainted the entire lounge, kitchen and dining room ceiling. That was when our excess was only $50 (before chch).

I guess everyone only tells the bad stories of insurance. I do have a bad story of AMI with our car and them accusing my then pregnant wife of being drunk only due to the time of incident and location but that's a long story. I got an apology out of them in the end though.


I'll toss in a +1 for Lumley (who under write our Insurer - a union). We've had to make two contents claims in the last 3 years (and several EQ related before that) and Lumley have been an absolute pleasure to deal with. First one was a damaged laptop screen, they let me pick my repairer and it was fixed within the week (mostly waiting on the repairer). Second was for a smart phone, within 3 days I had a brand new current generation to replace my 2 year old earlier model.

OP I'm reading into your policy wording that you will be getting a new TV equivalent to what you have currently. Repairing a TV is just not worth it. Perhaps you could put on Bob the Builder when you get it and the little one could learn how to fix broken things next time? tongue-out

EDIT: OP replied with outcome while I was typing. Good result!

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  # 1390633 20-Sep-2015 16:01
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I had to make a claim with lumley thru a broker that dad had set insurance up thru. Broker was useless but once dealing with lumley it was fine. Moved insurance off the broker because of their uselessness. No issues with lumley.

I'm surprised that insurance consider kids vandalism a reason to allow a claim tho.




Richard rich.ms

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