Hi there, I stupidly dropped a hot iron on my lounge carpet which left a big burn. As I have accidental damage cover with my insurer (Liverpool Victoria) I made a claim for replacement. They have accepted liability and have (after some persuasion) allowed me to use an independent carpet supplier/fitter rather than their own preferred supplier. So far so good. My problem is with what they (Liverpool Victoria) are prepared to cover. They will pay to take up the old carpet and fit the new carpet. They will not pay to replace the underlay. So far so good. However, they are refusing to pay for disposal of the old carpet which they are trying to say is "consequential damage". I understand that my policy explicitly excludes claims for consequential damage, but I do not accept that disposal of a carpet that they are paying to replace is "consequential" - I see it as very much part of the initial claim. After a long conversation with one of their stroppy claims advisors they have placed their position in writing - disposal is not covered. Am I being unreasonable in expecting them to pay for the disposal? Is this really consequential damage? Any pointers would be well appreciated. Cheers, Ryderboy