Rejected Student Insurance Claim

[shaypastakia]

Hi, I made a claim to Endsleigh Insurance over a TV/Monitor that was accidentally damaged.

It was plugged into my laptop through HDMI, but I tripped on the TV power cable, and now the TV doesn't recognise any laptops.

I made my claim, which does cover accidental damage, however, they've refused to cover me, based on there being no physical damage, and they think there's a component fault, which they say the manufacturer needs to deal with, as there's no evidence that this happened because of an accident.

I definitely know it's faulty because of the accident, but I can't prove it.
Was I right to be refused? If not, what can I do?

Thank you,
Shay

[woofgang]

How do you "definitely know"? have you spoken to the manufacturer?

[black_cat51]

well it would seem to be fairly obious to me that you need to go to the manufacturer, as they suggested

[shaypastakia]

It stopped recognising the laptop as soon as I plugged the power cable back in, so it was a direct result of the accident. I haven't spoken to the manufacturer as I'm no longer covered by warranty, so would have to spend a lot for repairs.

[kvalidir]

You could try calling them or write them a strongly worded letter stating the facts clearly and mentioning that you will be cancelling your policy with them because it's unfit for purpose unless they do something more constructive. Might work, might not.

[black_cat51]

well, the manufacturer are never going to sort it out f you don't ask them, are they!

[woofgang]

correlation does not imply causation :)