Easy Come - Easy Go - Mines Just Gone

I think if you can claim it you should. I do not have experience in insurances, so those are my two cents. That is a lot of food to not try to get your money back. Good luck *hugs*

Oh Ellie, you poor thing, just when you have a spot of luck something bad happens!! What a nightmare! i think it would probably be worth it if the food is worth £250 quid and you excess is £100, although i've never (touch wood) claimed anything on my home insurance so i'm not exactly sure how it all works, i hope you get a new one sorted soon though, i don't think we realise how much we rely on freezers and stuff until we have to do without! xxx

I dont quite understand how claiming for insurance works, its not exactly the sort of thing you can understand unless you go through it. Ive never claimed for anything and would have thought they would penalise you for claiming unless you are claiming frequently!!

i didn't even know you could claim for that. but i guess it depends on the company on wether or not your premium goes up, if it does go up i would say that it really isn't worth claiming it, you would end up spending more in the long run on the rise in the premium than you would if you didn't make the claim

Hi there ellie333 I guess you have to weigh up the odds haven't you to see if it is worth claiming or no. The thing is that how long have you been paying your house contents insurance and how likely are you to claim in the future and is it worth the hastle of doing all that paperwork and running around? Never mind about that anywa,how on earth did you earn £70 for doing a survey? That's what I wanna know, never mind about your freezer!! Hahaha . Good luck with it all anyway and I do hope it all turns out well for you!

aww crap thats rubbish that is babes all that lovely food wasted! It all depends on your policy it will tell you all that in the guidelines and smallprint. I know of a friend who was allowed to pay and excess and she could claim up to £500 but it ended up not being worth it because it would put her payments up and she had opnly lost about £200.00 and could claim £150.00 anyways. Have you got cover on your home contents and your freezer cos my sister could claim on just her freezer cover and it was much cheaper than her contents cover. If you want i can have a look for cheap freezers for you i'm currently looking for a cheap efficient printer for my nephew so i'm already searching i don't mind! Just email me the spec and size you need plus colour (some people have matching) and i'll keep my eye out you can usually get good deals if you look hard enough but i know your a busy bee.

I would do the claiming as you did....that is why you buy insurance. I hope you don't get penalized....they should do that!

I wouldn't bother making a claim on my insurance for something like a freezer going kaput, unless it was due to a basement flood. But then that would mean there were other damages. My deductible is $500, and I don't think a freezer quitting would be something I could claim on its own anyways. I would be so upset if I lost my chest freezer and its contents. I pride myself in my ability to buy things in advance when they're on sale, and then store them in the freezer. It saves me so much money in the long run.

Hi Ellie..am sorry to hear about your freezer that's not good at all..I have never claimed on my House Insurance but it's £50 excess, so don't really know what happens...knowing me though I would just get another one yet if they are willing to replace yours go for it...am not really sure what to say...Huggles littleowl

Our chest freezer went a couple of years ago and we were able to claim all the food at today's prices based on what we wrote down. They even paid us for bags of trout that I had caught at something like 50p a fish. There was an excess but I honestly cannot remember what it was. Probably £100 too. We claimed off our household contents insurance. They asked for a list and that was it. They sent a cheque in about a week. I suspect that we did have a slightly increased premium the following year but we move our household contents insurance quite frequently anyway so any penalty would have been offset by a discount for being a new customer elsewhere. But what a blow. I hope that you manage to sort something out.

There may be a chance that your premium will go up a little next year,so I guess that it is up to you to decide whether the food that has been lost by the freezer breakdown is worth the rise in insurance premium next time around.It makes you wonder why we bother to insure things ,this is a world of insuring against every possible thing.My nephew has a critical illness insurance on his mortgage,there has been a lot of contraversy about these kind of policies,and how the insurers will find every which way that they can not to pay out on them.Also the importance of reading the small print at the bottom of the policy,there are so many different illnesses that you are unable to claim for.When you think of the money that is handed over each year to the insurers in the world ,pet insurance,car insurance,home and contents insurance,personal loan protector plans,the list is endless,then at the end of the day it may well be a cheaper way out for you to replace the contents of your freezer yourself,crazy ..

Hi ellie, That is so sad, all that food gone! that is the trouble with electrical items in our home, it can just go with out any warnings, I am not sure if my husband have cover, I think he may have, mine you there aren't much in my freezer these days but if it goes I will just have to ask my neighour if I can store food in her frezzer if I catch the becfore they are thawed. Love and Huggles. Tamara

I am so sorry that your food in the freezer went bad! I am glad to hear that you have insurance that will help to pay for at least some of it! Sorry I have nothing to tell you about the claim and if it will cost you anything!

When you renew your insurance, youget a no claim bonus which lowers you rpremium. Once you have taken a claim youdo not get the no claim bonus and have to pay the full premium. if the claim is sizable, thenit is worth it but if it is a minor claim, then you might as well forego it.

If I lost a good bit I would if my insurance paid on it. I don't really know if they do for that. I never really thought about it. I guess they do. I would get it if my rates didn't go up because of the claim. It would hardly make it worth it if the rates go up because of it.

[i]Hello ellie, That is the right thing to do and wish they will pay what you have lost since you are paying for the insurance but I haven't tried that way,hopefully, they are willing or that is part of the policy! ANyway, let us know after having the transaction! That is a big money for the cost of all those food! Good Luck friend![/i]

I would definately claim it...with food prices what they are every little bit is important. At least you have the 70 to help replace the freezer...good luck with your new one. [b]~~IN SEARCH OF PEACE WITHIN~~ **AGAINST THE STORMS, I WILL STAND STRONG** [/b]

Oh no what a bummer! I am sorry to hear you have lost your christmas meat, especially seeing as it is really not cheap is it at the minute? I am not sure how claiming on the insurance works, but the only trouble with making a claim is that it sends your insurance premiums up, so if I could manage without claiming then I would not and also I am not sure, but I think the excess goes up, but as I say dont quote me on that as not sure.

I'm so sorry this happened to you, Ellie - it sucks! It always seems to happen when you're fully stocked, too - never just before shopping day. It IS hard to decide whether to claim or not - and you also have to take into consideration whether you'd lose your no-claims bonus and have to pay a higher premium next year. It's a real shame you couldn't have popped some of your goodies in a kind neighbour's freezer for a while ... surely they wouldn't have minded babysitting your beef and turkey! A few years ago my daughter lost the contents of her fridge and freezer when they had bushfires in the area and the power was down for five or six days. Their insurance paid up, but it was Christmas time and like you, they had a heap of food which was lost.

To claim or not to claim, that is the question. One would have to figure out what would be better to do.