Claiming off contents insurance for accidental damage


Bought a 3d LG TV april last year from currys, £725, specifically because it was 3d capable. Unfortunately daughter broke the screen yesterday. Our insurance is £100 compulsory with Axa.

I have the receipt online so that shouldn’t be a problem. However I’ve never claimed off insurance before, can’t see anywhere mentioned on the documents or terms – do they try and replace like for like (not possible as the 55uh850v specific to Currys is no longer in production), pay out on its initial value, or pay out on its value now? Our insurance renewed with them a week or so ago at a cost of £280, so with the £100 excess if they value the TV now at £400 then it wouldn’t be worth doing, whereas paying out our initial outlay of £725 would be.


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