Powercuts - freezer contents

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presidenttttt

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I often see insurance companies market around 1000 euro for loss of freezer and fridge contents. With recent power cuts, is it worth a claim? Is there any ramifications to future costs. Even if they say there is no loss of no claims, is there increase costs due to "propensity to claim"?
 

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Just a question if it will impact future fees
 
You'd have to ask your insurere whether you are currently benefiting from any discount for not having made a claim of this kind. The answer is probably "no", but only your insurer can give you a categorical answer. If there's no no-claims bonus I doubt very much that you will suffer any "propensity to claim" uplift to premiums in the future. A single claim is not a "propensity".

Plus, there is no point in buying a policy with freezer contents insurance if you are never going to make even one claim for loss of freezer contents; for fear of premium increases; you would do better to buy a cheaper policy which did not include this.
 
Are you sure the food is spoiled, my power came back yesterday but the food was still frozen more or less. Once you don't open it and it's not located in a warm room it should be good for 48 hours. Sometimes people are over cautious regarding this and throw out food that is ok
 
TomEdison said:
You'd have to ask your insurere whether you are currently benefiting from any discount for not having made a claim of this kind. The answer is probably "no", but only your insurer can give you a categorical answer. If there's no no-claims bonus I doubt very much that you will suffer any "propensity to claim" uplift to premiums in the future. A single claim is not a "propensity".

Plus, there is no point in buying a policy with freezer contents insurance if you are never going to make even one claim for loss of freezer contents; for fear of premium increases; you would do better to buy a cheaper policy which did not include this.
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Freezer contents is a fairly standard clause in insurance policies here, it is not something like an optional extra you opt in to.

Looking at the small print of policies it does not say such a claim will not affect your no claims history, so yes it would be best to confirm with the insurer.
 
A claim like this might not affect your NCB but it could affect your renewal premium but you generally won't know that until renewal
 
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