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Insurance Claim Any Ideas What They'll Offer??

Discussion in 'Blu-ray & DVD Players & Recorders' started by Plastikman, Jan 14, 2005.

  1. Plastikman

    Plastikman
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    Hi!!

    Due to a power surge in building my dvd player was the only thing that never survived. I spoke to my insurance company and i'm covered. The DVD player I had was a Pioneer 646-A which personally I thought was a great machine. Obviously they won't be able to replace this player as it is about 3/4 years old.

    What do you think they will offer me?

    I hope it will be the equivilent of the Pioneer 646-A. The only Pioneer I can see similar is the DV668AVS.

    The retailer that is going to contact me is Empire.

    Cheers For any Suggestions?
     
  2. scrapbook

    scrapbook
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    They should offer you either a) what you paid for it or b) anamount that equates to dvd with equal specification
     
  3. Sarnaget

    Sarnaget
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    Insurance companies tend to prefer going down the replacement route wherever possible as they tend to get a bit of a deal when regularly dealing with some suppliers and so save themselves some money as opposed to offering an cash settlement equivalent to the regular off the shelf price.

    Empire will have a good idea what is a like for like replacement but it may not neccessarily be a Pioneer...!

    Ryan
     
  4. kevin19470

    kevin19470
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    Hi,

    It really depends on the terms of your policy IMO. If you have new for old cover, you will get the FULL value of a comparable replacement.

    If your poicy terms take into account "wear and tear", you will get what a 3/4 year old pice of kit was valued at at the time of the incident.

    Your insurance company may well offer you an amount of cash towards a model that you wish to have as a replacement, with you then having to make up any shortfall, if you do not have new for old cover.

    Hope this helps.

    Kev.
     
  5. Plastikman

    Plastikman
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    Yo!

    I'm sure it's a new for old cover. I was told that all that would be applicable was a £75 excess on my policy. The Pioneer 646A cost me about £350 (web offer!!) but the RRP was £530 approx

    I'm 99% sure they will offer me a replacement (...this is what I would prefer!)

    When I spoke with the advisor on the phone he said he was processing the claim and the details would be passed on the specialist comapny (Empire) who would then contact me to discuss details about a replacement.

    If then, after speaking to Empire about a replacement and I felt I wasn't getting that good a DVD player, (..taking into account the £75 excess) then I could cancel the claim at anytime no problem. Because basically I could pick up a Tosh 340e for less than the £75 excess. The advisor said there was no problem in doing that if I wished.
     
  6. Plastikman

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    Hey Guys!!

    Just to update you the company Empire Commercial phoned me and offered me the Pioneer DV668AVS as replacement. The value of this (..discounted to Insurer) was £477.89. I asked if there were any other players they could offer me and he said anything around the value. I asked if he had any Denon players at that price range and I was told, they could order in the Denon 2910.

    So what do I go for? The Denon or Pioneer? Or maybe something else at that price range. Any suggestions? I have done lots of research but would rather hear from peoples own experiences with these machines.

    Oh yeah the DVD is for mainly movies anything else is a bonus.

    Thanks Chaps!!
     
  7. dvdchild

    dvdchild
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    Hi M8,

    I have a 668 and it is fantastic dvd player and i'm only using it via component. Plays anything i have thrown at it and brilliant picture & sound quality. Denon are good but if you read the threads you will see all the problems. You won't be disappointed by the pioneer.
     

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