Cooker All Smashed UP! To claim or not to claim.....

Is it the whole cooker that needs replacing or do you just mean the hob?

If only the hob (or hob part) can it be replaced?

Now you have informed the insurance company presumably it will affect your next premium too?

Only if a claim is made should premiums rise.

I’d look at seeing how much to replace before I made a decision.

From Go Compare:

What happens if an incident is reported but I don’t make a claim?
If you tell your insurer about an incident that’s happened at home, like a burglary or breakage, but later decide not to make a claim – it will still be recorded.

Depending on the nature of the incident, insurers could take this into account when working out how much to charge you for a policy.

I have no idea how they decide - but do know it happens.

Canot give any opinion unless I know how much it will cost to replace the hob, put the shelf back up and replace anything else that was broken.

I would sooner make an insurance claim than take on credit.

Same happened to my ceramic top, we were having a new microwave installed above the cooker and the installer dropped it smashing it to pieces. We couldn’t have it replaced, there was not an option to buy one so we ended up having to buy a new cooker.

Insurers will take the incident into account, even if you don’t make a claim. You’ve made them aware.

Georgesgran

Insurers will take the incident into account, even if you don’t make a claim. You’ve made them aware.

Yes, this is correct.

Llamedos13, I do hope that your microwave installer paid for your new cooker. He must have been insured for that sort of happening.

How old is your cooker? If elderly perhaps a new one would be better in that a fault could arise that would cost money. So sorry that this has happened.

It depends how old the cookers is and what a new one costs, with a £250 excess there probably isn’t much in it. However one claim in say 5 yrs shouldn't put your premium up because with the excess deducted it’s going to be a very small claim.

Thanks for all your advice ladies. I reckon I will bite the bullet, having spoken with the Insurers (who agreed not to process my claim to protect next year's premium). I have found a basic electric cooker for £259 and have a friend qualified to fit it for me. As I only have State Pension for income, I will pay it up in 3 instalments (interest free) with Paypal Credit and it will even help my credit rating! I hated that old cooker anyway. I was glad to see it being carted off the the dump.

I swill add, as it was quite funny in a way, that the hob and the top oven were both damaged and then the oven door just fell off (under it's own steam) an hour later!

Is the pot shelf an integral part of the hob?

If not, I understand why your insurance company cannot see their way to paying out.

Who on earth was daft enough to put a shelf baring heavy objects, or indeed any shelf at all above an induction or ceramic hob?

The place for pots and pans is under the hob in a cupboard or on a shelf, of if you cannot get down easily on your knees to get them out, in a cupboard beside the hob at a level you can easily use.

Buy a new hob and re-organise your kitchen to obviate this kind of accident again. Modern hobs are unfortunately not cast-iron!

grandtanteJE65 If not, I understand why your insurance company cannot see their way to paying out.

If you read OP's post her insurance company would have paid out, she has decided not to claim to protect her premiums.

A shelf should be able to be positioned anywhere and have the structural integrity to bear the load placed upon it. Do you only place shelves in positions where it's OK for them to fall down?

Auntieflo, to answer your question, yes they did replace the cooker,they had a new one delivered the very next day and it was nicer than the one they damaged.I have always hated having the microwave over the cooker and have since had it removed and replaced with a smart looking hood.

One piece of advice I would give is to have a cooker with an induction hob.
They are wonderful! So quick and controllable, and so easy to keep clean as the hob doesn’t get hot in the conventional sense.

If you felt your budget wouldn’t stretch to a more expensive cooker then perhaps you could pay it off over a longer period.

It’s a condition of most home insurance policies that you must make your insurer away of any incident that can lead to a claim, whether or not you make a claim. Insurance is a risk based industry so they use this information to calculate the risk a household pose to the business.

Yogitree: the saying if it wasn’t for bad luck , you’d have no luck springs to mind.

Just buy a new hob, unless, of course it’s a premium brand then I would claim

JenniferEccles

One piece of advice I would give is to have a cooker with an induction hob.
They are wonderful! So quick and controllable, and so easy to keep clean as the hob doesn’t get hot in the conventional sense.

If you felt your budget wouldn’t stretch to a more expensive cooker then perhaps you could pay it off over a longer period.

It’s so safe I put paper towel under my pan to save the glass getting scratched but make sure you have something in your pan

JenniferEccles

One piece of advice I would give is to have a cooker with an induction hob.
They are wonderful! So quick and controllable, and so easy to keep clean as the hob doesn’t get hot in the conventional sense.

If you felt your budget wouldn’t stretch to a more expensive cooker then perhaps you could pay it off over a longer period.

One word of warning

Do not buy an induction hob if you or any member of your family who might cook has a pacemaker.

...or if it means you need a new set of pans too!

Oh never thought about pacemaker.
Tip if you are buying new pans, I carry a small magnet in my bag to see if pots/ pans are magnetic. Homesense have good quality ones, I managed to match up 4.