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hi there all ,


just a quick enquiry ,


not so long ago i went to perfect homes and got a 50 inch smart tv on finance ,

all was good until i decided to move house ,


i started to dismantle the tv and as i did so it topped forward and smashed the tv , i was gutted , but


i contacted perfect homes and explained what had happened ,and they said bring it down and we will do a insurance claim on it,

they explained that it could take a couple of weeks to sort out , so i said fair enough , but


they then told me i would have to still pay for it until the claim goes through , which seems reasonable , and

i would also have to pay the excess which is £100 , but i could pay it at £4 a week till its cleared , as i have other items with them totalling up to about £7 a week ,

so roughly £10 seemed viable , BUT


the claim went thru and they explained that i would have to re-sign up for another tv ( if i wanted one) ,

as if i was a new customer BUT also because they had done an insurance claim on my previous tv ,

i could only get a like for like , which they claimed was a refurbished one , and i would still have to pay the same price as if it was a new tv ,


i had a ponder over this and contacted them and declined the offer of a refurbished tv if i had to pay the same price as a brand new tv ,

BUT my question is s


hould i still have to pay the excess on the now broken tv if i have no intention of getting a replacement from it ?


any helps much appreciated :)

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possibly , but i cant really go into there shop and tell them " ermm i did some research on me having to pay this excess and its all rubbish " and then become stumped when they act why not its part of out process lol

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possibly , but i cant really go into there shop and tell them " ermm i did some research on me having to pay this excess and its all rubbish " and then become stumped when they act why not its part of out process lol


I would do some reserch on here there is loads of it regarding PHs and how to deal with them.

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the answer will be in their T&C's


I would not be signing any new contract though.


the idea of the insurance


if they are saying they will replace it [as under the T&C's]


then it should be like the damage did not happen.


you have a working TV, like the one you had

and the SAME contract continues.


its an HP agreement.



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I think you will have to pay the excess (assuming it's in the T&C's) after all you did drop it.


If you don't pay the excess then the insurance won't kick in and they will just continue to charge you for the TV that is smashed which they are quite entitled to do.


Pay the excess and get a replacement TV but don't settle for a lesser product than you paid for.

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Can you just clarify what is happening.


There was an accident where you broke the TV. There is an insurance claim going through. Rightly so, you declined to have a replacement which was a refurbished item for which would be costed out as a New item.


I believe that you will have to pay the excess in order to finalise any hp agreement you had with the company, alternatively you will have to make the payments until the term would have ended and the item became yours.

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