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Superthread LI. Honouring Bruce the Ultra Moist

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abpanther

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Just spoke to my insurance provider and they said accident cover only covers the glass in a TV or computer, I asked what if the whole unit is damaged including the glass and they said it would go on a case by case basis to their claims dept and worst case scenario they would pay out for the 'item'. I asked is the 'item' the glass or tv and they said the former.

So sounds to me they wouldn't replace it, would probably just pay me a couple of hundred bucks for the glass

Don't know if this is worth all the effort or whether I just go and buy another f**ken TV
 

Skinner

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Depends on the excess for your policy as well. If it's something like $500, then considering you can pick up a pretty decent new flatscreen for around the $800 mark, then you're probably better off just going and getting a new TV. If it's $350, then thats a different story...

Either way, you have to factor in that you can lose your no claim bonus and that your premium will naturally increase for the following year as well.

Completely agree, not really worth a claim, particularly a dodgy one.

Interest free deal....go for it.
 

abpanther

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Depends on the excess for your policy as well. If it's something like $500, then considering you can pick up a pretty decent new flatscreen for around the $800 mark, then you're probably better off just going and getting a new TV. If it's $350, then thats a different story...

Either way, you have to factor in that you can lose your no claim bonus and that your premium will naturally increase for the following year as well.


Yeah good point, thanks for the advice

So where's the best place to buy a LCD TV? JB Hifi? Good Guys? Ebay?
 

abpanther

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Also, the one I have now still works, it's just got this crack with a section not working and some lines through it. Can you sell a broken LCD TV somewhere and get like $100 for parts?
 

Drew-Sta

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Yeah that's what I thought but their online catalogue is a bit of a pain in the arse.

Plus, I have no idea what a LED LCD is??

Light emitting diode.

A light-emitting diode (LED) is a semiconductor light source.[6] LEDs are used as indicator lamps in many devices and are increasingly used for other lighting. Appearing as practical electronic components in 1962,[7] early LEDs emitted low-intensity red light, but modern versions are available across the visible, ultraviolet, and infrared wavelengths, with very high brightness.

http://en.wikipedia.org/wiki/Light-emitting_diode

A backlight is a form of illumination used in liquid crystal displays (LCDs). As LCDs do not produce light themselves (unlike for example Cathode ray tube (CRT) displays), they need illumination (ambient light or a special light source) to produce a visible image. Backlights illuminate the LCD from the side or back of the display panel, unlike frontlights, which are placed in front of the LCD. Backlights are used in small displays to increase readability in low light conditions such as in wristwatches,[1] and in computer displays and LCD televisions to produce light in a manner similar to a CRT display. A review of some early backlighting schemes for LCDs is given in a report by Peter J. Wild IEEE First-Hand History[2] under its section Backlit LCDs.
Simple types of LCD displays are built without an internal light source, requiring external light sources to convey the display image to the user. Modern LCD screens, however, are built with an internal light source. Such LCD screens consist of several layers. The backlight is usually the first layer from the back. But in order to create screen images, a mechanism is needed to regulate the light intensity of the screen's pixels. For this, light valves are used that vary the amount of light reaching the target by blocking its passage in some way. The most common element is a polarizing filter to polarize the light from the source in one of two transverse directions and then passing it through a switching polarizing filter, to block the path of undesirable light.

http://en.wikipedia.org/wiki/LED_LCD
 
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Time to get creative with our home contents insurance, friend who works in insurance suggests to take out accident cover and wait a month and then make a claim.

This is so f**ked up!!

Mate....that is bad luck.

Those that have said the tube is more expensive than the TV is spot on...dont bother getting it repaired.

I work in insurance as a Manager and would not promote doing what your mate said...it will probably end up in the Fraud section of your insurance company and they are bloody good at what they do.

As for those saying that you will lose your No claims discount etc...a lot of home and contents policies don't have that so I would be checking that.

Bottom line...if the TV is more than your excess then try and claim it based on accidental damage but maybe say you were shifting the chair and it hit the screen as kicking ti could be deemed intentional damage and might get declined.
 
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