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If it was simply a case of mechanical breakdown (eg due to old age or "wear and tear") then I'm afraid it won't be covered and the claim would be rejected. This is a standard exclusion on home insurance policies and it would be the same for any other home insurer.
On page 12 of the Abbey policy booklet, you will see that clause 3(e) excludes electrical or mechanical breakdown.

How old is the TV? If it is still under guarantee or if it is still covered by an extended warranty, you could claim on that instead, as this would cover mechanical/electrical breakdown whereas home insurance doesn't.

If the TV is quite old and it isn't worth much, then it may not be worth claiming on your home insurance anyway as there would probably be an excess to pay (this will be stated on your policy schedule document).

In summary, whether you can claim all depends how the damage happened. If it was mechanical breakdown, then it wouldn't be covered under any contents policy. Alternatively, if it was caused by a lightning strike (and they would check the damaged TV and weather records etc make sure that is the case) then it would be covered under the policy.

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Are you covered for that?

No hope so, no so, call Allstate today for Free Good Hands Coverage Checkup.

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Duration : 0:0:31

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0845 643 1580

Tarpon Contractors/ Freelancers/ Consultants

Before we go any further, perhaps we should say something about our own reputation?

We’re an employment benefits company known for making contracting substantially more rewarding. We’re renowned both for our tax expertise and for providing contractors with their own personal business managers.

By signing up with us, contractors are given the status of employees. This comes with numerous benefits. Not the least of which is that they can′t be challenged under IR35 rules.

They also receive a regular salary; they enjoy the ability to claim 100% of business expenses tax-free, often without receipts (all HM Revenue & Customs-approved); they′re given a P60 at the end of the year; they can draw holiday and sick pay; and they may not need to fill in a tax return.

Most vital for you, though, is the following fact:

As far as HMRC are concerned, the buck stops with us. Not with you. Nor with your contractors.

Your reputation, in other words, is safe with us.

Business Expenses

Claim back business expenses such as travel, accommodation, food and much more with our unique HMRC approved expenses policy.

Tarpon will maximise your income, keep you legal and streamline all your admin.

Tax. IR35. Confused about the implications?
Or just confused about what it is?

Leave it all to us. We’re specialists in both tax and IR35 and can give you impartial, straightforward advice on both. With Tarpon, you’ll have your own personal business manager to keep you tax-efficient and to reclaim up to 100% of your business expenses, tax-free. (Your business manager will even call you at a convenient time to take down the details of those expenses, which means you won’t need to do this online each week.) And to ensure you maximise your tax and national insurance savings we also offer a childcare voucher scheme and a personal pension through salary sacrifice.

If the taxman comes knocking, it won′t be on your door.

As far as HM Revenue & Customs are concerned, the buck stops with us, not with our contractors. So, unlike some umbrella companies, we don′t need to provide legal fees to cover possible investigations. We′ll keep you IR35-compliant, supply you with a P60 and employ an expenses policy approved by HMRC themselves.

https://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTubeTop20

Benefits that Tarpon members enjoy:
Get £25.00 for every night that you stay on a friends sofa
You dont need receipts to claim lunch expenses
Get back your travel expenses, tax-free.
Get £20m indemnity cover, free.
Get paid on time, everytime.
Dont pay more tax than you have to.

Employment benefits company.

Tarpon have revolutionized the industry by being the first company to introduce an exclusive employment benefits package for contractors, coupled with, an over-arching employment contract that will ensure you remain IR35 and MSC compliant at all times. We pride ourselves with our unrivalled quality service through personal business managers who will make sure that you don’t have to worry about any administration, tax returns or expensive accountants. We’ll also give you £20million worth of professional insurances for total peace of mind.

Calculate your salary: https://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTubeTop20

Tags IT Contractor Payroll Tax Advice Contractors Umbrella company ir35 compliant tarpon tarpon-uk contractor contracting hmrc compliance salary calculator

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There are alot of insurance places open on Saturdays now!! just not long ago I got tags, insurance, and everything on a saturday!! If there is no place in your town that is open on the weekend, then I would do it online, just do a yahoo search that has ” insurance (your town)” and a list of places should show up!!

I’ve had good info about it here:

http://autoinsurance.noneto.com

Good luck.

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