hi the wife has just broke the sink (cleaning) need to get a new one. should i claim on my insurance (£60 excess) think the sink is approx £95. does it work like car insurance and my premium will go up ?
Play them at their own game.
Go out and get a better sink (the more expensive the better)
Play them at their own game.
Get the sink fitted.
Insurance companies dont send anyone out to check unles it is more than £1000 these days.
Then- when you get it done- change your ins company-,. Shop around.
You are forgetting that if you change/take out new insurance you have to declare if you have made any claims or have any outstanding claims. Failure to do so will render your insurance null and void as all claims are sent to a central registry to try and wipe this practice out. If you are caught you can be prosecuted for attempted fraud and will find it very difficult to get insurance in the future or if you do it will be at a higher premium.
As I said, is it worth it for £30?
And people who practice this, or even advocate it, should be denied any insurance cover for anything! As Chapeau says, its the honest people like us who pay for the likes of you lot. You are no better than lazy dole-ites who want everything for free.