help! household/home insurance, what does it cover?

rupun · Post by **rupun** » Mon Sep 22, 2014 7:00 pm

hi all,

help!

question about household/home insurance, what does it cover? I have a watch, that I forgot to screw in the crown unintentionally, and rinsed it under water to get rid of the sweat. If any moisture gets in, it could cost to have it checked, cleaned, and done. Although, I suspect that is not the case, just want to be sure.

Would the home/household insurance cover this? Any ideas?

Kind regards.

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harryc · Post by **harryc** » Mon Sep 22, 2014 8:12 pm

There is almost always a 150€ deductible for home insurance. Lidl has offers on brand new watches regularly for €7,95 so ................

Upphew · Post by **Upphew** » Mon Sep 22, 2014 8:20 pm

rupun wrote:hi all,

help!

question about household/home insurance, what does it cover? I have a watch, that I forgot to screw in the crown unintentionally, and rinsed it under water to get rid of the sweat. If any moisture gets in, it could cost to have it checked, cleaned, and done. Although, I suspect that is not the case, just want to be sure.

Would the home/household insurance cover this? Any ideas?

Kind regards.

You should read the insurance papers. Maybe call the insurance company. All this time your watch is in rice bag? Mechanical watch? With emotional or monetary value? Get it cleaned and serviced. Else, wait until it needs service anyway or bin it after it doesn't work.

Rip · Post by **Rip** » Tue Sep 23, 2014 2:14 pm

I'm not sure if it works if one speaks English, but I'd call my insurance company (after checking that my deductible would likely be less than the service cost). If I'd have the watch checked in any case, I could wait after the service, at which point, if necessary, have the damage report/compensation request done immediately.

rupun · Post by **rupun** » Tue Sep 23, 2014 4:43 pm

Upphew wrote:Mechanical watch? With emotional or monetary value? Get it cleaned and serviced. Else, wait until it needs service anyway or bin it after it doesn't work.

Yep, it is the servicing (korjaus) costs that I am worried about!

I will have to check with the insurance company.

Upphew · Post by **Upphew** » Tue Sep 23, 2014 9:20 pm

rupun wrote:
Upphew wrote:Mechanical watch? With emotional or monetary value? Get it cleaned and serviced. Else, wait until it needs service anyway or bin it after it doesn't work.
Yep, it is the servicing (korjaus) costs that I am worried about! I will have to check with the insurance company.

Wet = watch to pieces, cleaning, lubing and back to one piece again, some figures: http://www.kellohuoltoloppela.com/Korjaushinnasto.htm

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