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Latest post 01-29-2011 4:42 PM by antspants13. 26 replies.
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  • 01-25-2011 2:55 AM

    • BenSA
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    • Durban, South Africa
    • Posts 808
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    B&O insurance claim! yay!

    My Beomaster 6500 got damaged by lightening and I claimed for the entire Beosystem 6500 as it is not possible to find a replacement Beomaster 6500 in my country. I was extremely lucky and got the entire system including RL140 speakers for R2500.00! A bargain I know. The insurance phoned me today to say that they will pay me out R55 000.00!!! I was floored!

    I LOVE BANG & OLUFSEN!!!

     

    P.s. I just had to share a happy story :)

    Durban South Africa

  • 01-25-2011 4:23 AM In reply to

    Re: B&O insurance claim! yay!

    Wow... That's 42.000 DKK for a Beosystem 6500... Mind blown Huh?

    Beocenter 9300, Beogam CD50, Beocord 5500, Beomaster 3400, Beomaster 4400, 2 Beogram 4000, Beomaster 8000, 2 beogram 8002, Beovox S-75, Beovox MS150.2, Beovox RL6000, Beovox S-35, Beomaster 6000, 2 Beocord 9000, Beocord 8004, Beocord 5000, Form 1, 2x Beolink 1000, Beo4, MX3500, LS4500. Born 1993.

  • 01-25-2011 4:28 AM In reply to

    • BenSA
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    • Durban, South Africa
    • Posts 808
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    Re: B&O insurance claim! yay!

    Thats true....and it was in perfect working order and virtually no scratches. I was very lucky I have to say.

    Durban South Africa

  • 01-25-2011 5:08 AM In reply to

    Re: B&O insurance claim! yay!

    If the insurance pays that much over there, I'll move to SA with my entire collection, wait for a thunderstorm, and then retire... Did it cost that much when new? Confused

    Edit: with pricing info from Beocentral, the entire stack without MCP was £2,292 in 1990. According to MeasuringWorth, that would translate to £3,900 (retail price index) or £4,890 (average earnings) in 2008's money. The latter just about matches...

    -mika

  • 01-25-2011 5:17 AM In reply to

    Re: B&O insurance claim! yay!

    The 6500 system cost about 2400 £ in 1990 Stick out tongue

    -Too slow ^^

    Beocenter 9300, Beogam CD50, Beocord 5500, Beomaster 3400, Beomaster 4400, 2 Beogram 4000, Beomaster 8000, 2 beogram 8002, Beovox S-75, Beovox MS150.2, Beovox RL6000, Beovox S-35, Beomaster 6000, 2 Beocord 9000, Beocord 8004, Beocord 5000, Form 1, 2x Beolink 1000, Beo4, MX3500, LS4500. Born 1993.

  • 01-25-2011 5:25 AM In reply to

    • BenSA
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    • Joined on 04-16-2007
    • Durban, South Africa
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    Re: B&O insurance claim! yay!

    The insurance paid me for the replacement cost which B&O South Africa said the equivalent would be a Beosound 3200 and Beolab 6000. They give the money though and its up to you to purchase the item. I also paid no excess. Very good insurance company.

    Durban South Africa

  • 01-25-2011 5:29 AM In reply to

    Re: B&O insurance claim! yay!

    Maybe they'll change their policy if they are BeoWorld members?

     

    Wink

  • 01-25-2011 5:58 AM In reply to

    Re: B&O insurance claim! yay!

    Sweet! What are you going to buy?

    Beosystem 7000/6500- Beolab 4000 - Beosound 1 - A8 - Earset 3 - Beo4

  • 01-25-2011 6:05 AM In reply to

    • BenSA
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    • Joined on 04-16-2007
    • Durban, South Africa
    • Posts 808
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    Re: B&O insurance claim! yay!

    TheMajor:
    Sweet! What are you going to buy?

    Well I've decided to pay off the rest of my car which I owe R30 000.00 then buy another Beomaster 6500 and have it shipped here. The rest put it in the bank...or use the rest of the money to add towards the trade in value of my current car and upgrade Big Smile

    Durban South Africa

  • 01-25-2011 6:10 AM In reply to

    Re: B&O insurance claim! yay!

    I want your insurance company!!!

     

    Maybe they have a filial in Finland? Laughing

    -Andreas

     

    BLab5, BLab5000, BLab8000, BV10, BS9000, BS3, Beo5, Beo4, BLink1000, BLink5000, BLink7000, A2, A8, Form2

     

     

     

  • 01-25-2011 6:25 AM In reply to

    Re: B&O insurance claim! yay!

    bayerische:
    I want your insurance company!!!

    Me too! Laughing

    I don't think any of our regular home insurances would pay you more than a few hundred tops, unless you had agreed on an insurance value beforehand (and paid for it dearly...). They all have age deductions depending on the kind of property, and AV kit of that age typically will have around 10% of its value left.

    -mika

  • 01-25-2011 9:48 AM In reply to

    Re: B&O insurance claim! yay!

    In the UK, go to Hiscox. They specialise in higher value homes. I was badly burgled some years ago and lost my BC9500 and LX6000 with S75 speakers. Hiscox paid the full amount to get a new equivalent (and a considerable amount more for rather more important things!) with no quibble at all. The assessor arrived and immediately asked the name of the company I was with as he had never had an insurance company who had simply told him to ask what I had lost and give me the money! I am still insured and have had to claim a couple of times since and they have always been superb. Also cheaper than other companies I have tried.

  • 01-25-2011 11:32 AM In reply to

    Re: B&O insurance claim! yay!

    bayerische:

    I want your insurance company!!!

     

    Maybe they have a filial in Finland? Laughing

    I want them in Holland too. I'm not sure but I believe that damage caused by lightning is excluded a lot of the time over here.

    Beoworld's twenty-eighth ninth prize winner and fifty-first second prize winner. Best £30 I've ever spent!

  • 01-25-2011 12:49 PM In reply to

    Re: B&O insurance claim! yay!

    How about an investment into better protection of your electrics and electronics against lightning?

    iPoditiv

  • 01-25-2011 1:00 PM In reply to

    • Step1
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    Re: B&O insurance claim! yay!

    You know I got nothing personal against claims cases like this, however it does go a long way to explain why we all pay so much for our insurance!!! Also it would suggest why people pay over the odds prices for faulty AV equipment on ebay!

    For those reasons alone I wish insurance companies were a bit more reserved in their payouts!!!

    Olly.

  • 01-25-2011 3:01 PM In reply to

    • BenSA
    • Top 75 Contributor
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    • Joined on 04-16-2007
    • Durban, South Africa
    • Posts 808
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    Re: B&O insurance claim! yay!

    The lightening struck the Satellite dish and everything that was directly or indirectly connected was damaged. I had unplugged everything from the mains supply but I've never ever had to disconnect the satellite. 3 burnt tv's, dvd recorder, dvd player, Satellite dish and 2 decoders, 2 Vcrs were also included in the claim and they paid out for everything. I have now installed a lightening protector with the Satellite Dish.

    In my defensive I did inform them that all the damaged equipment was available to them for inspection. They declined to send an assessor.

    Durban South Africa

  • 01-25-2011 3:30 PM In reply to

    Re: B&O insurance claim! yay!

    Doctor:

    In the UK, go to Hiscox. They specialise in higher value homes. I was badly burgled some years ago and lost my BC9500 and LX6000 with S75 speakers. Hiscox paid the full amount to get a new equivalent (and a considerable amount more for rather more important things!) with no quibble at all. The assessor arrived and immediately asked the name of the company I was with as he had never had an insurance company who had simply told him to ask what I had lost and give me the money! I am still insured and have had to claim a couple of times since and they have always been superb. Also cheaper than other companies I have tried.

    I can endorse this recommendation! Hiscox provide fantastic cover for a very reasonable price. From recollection, if your contents value goes above a certain limit they will insist that you have a burglar alarm linked to a manned centre (which can be very expensive). You can check the cover requirements on their website and if you are in luck you'll come in below that expensive alarm limit.

    Graham

    I used to be indecisive, now I'm not so sure. [W C Fields]

  • 01-25-2011 5:11 PM In reply to

    • Step1
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    Re: B&O insurance claim! yay!

    I hope you don't think I was attacking you BenSa as I certainly was not! Just thinking out loud..

    Olly.

  • 01-25-2011 7:41 PM In reply to

    Re: B&O insurance claim! yay!

    Step1:

    I hope you don't think I was attacking you BenSa as I certainly was not! Just thinking out loud..

    I am glad you posted this explanation for BenSA since your first post did "sound harsh" ... Smile 

     

    Off Topic ... Rant Warning !

    The whole insurance business/industry is doing my head in at the moment with the aftermath of the massive floods through three of Australia's eastern states (by the way, the flood waters are still with us and are moving slowly across flat country and down river systems, we have a major town of 10,000 sandbagged this weekend and everyone hoping the peak will pass over the next few days without spilling over).

    As a taxpayer and the owner of a home and contents insurance policy I am being doubly penalised by these floods.  (But at least I was not flooded, so perhaps I should just shut-up) The federal government is going to impose a once-off flood levy/tax to (a) pay for the rebuilding of infrastructure [e.g. there is one Queensland town that will not get reconnected to the transport systems until March ... so it isolated and relies of airdrops!] and (b) compensation (means tested) for those people who were not insured (I fully support this BTW).  At the same time the government is heavying the insurance companies to pay claims and to not try to wriggle out of fine print clauses (some insurers are trying to distinguish between rain damage, flood damage in a known flood plain, and violent "act of God" floods -- all in attempts to not pay, or pay less).  And even without giving in to the government's pressure, the insurance companies are raising their premiums (yes, I know it is capitalism at work).

    But it does lead one to the conclusion that one should not insure against disasters ... because political pressure results in the government coming to you aid anyway ... and because no insurance company can afford to be as generous as Ben's or Peter's when faced with hundreds of simultaneous claims.

     

    Rant Over

    First B&O (1976) was a Beogram 1500 ... latest (2011) change has been to couple the BL11 with the BL6Ks *sounds superb*

  • 01-26-2011 1:27 AM In reply to

    • BenSA
    • Top 75 Contributor
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    • Joined on 04-16-2007
    • Durban, South Africa
    • Posts 808
    • Gold Member

    Re: B&O insurance claim! yay!

    Step1:

    I hope you don't think I was attacking you BenSa as I certainly was not! Just thinking out loud..

    No, not at all, you were expressing a concern which I'm sure a lot people were thinking. Smile

    Durban South Africa

  • 01-26-2011 1:30 AM In reply to

    • BenSA
    • Top 75 Contributor
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    • Joined on 04-16-2007
    • Durban, South Africa
    • Posts 808
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    Re: B&O insurance claim! yay!

    elephant:

    Step1:

    I hope you don't think I was attacking you BenSa as I certainly was not! Just thinking out loud..

    I am glad you posted this explanation for BenSA since your first post did "sound harsh" ... Smile 

     

    Thanks Smile

    Durban South Africa

  • 01-27-2011 2:19 AM In reply to

    • Dave
    • Top 50 Contributor
    • Joined on 04-17-2007
    • Brisbane, Australia
    • Posts 2,328
    • Bronze Member

    Re: B&O insurance claim! yay!

    ZAR 55k is alot of money!! AUD 7,800!

     

    I had a similar experience when robbers came and stole all my stuff (except the CRTs)

    “Quality is never an accident; it is always the result of intelligent effort.”

    Your health and well-being comes first and fore-most.

     

     

  • 01-27-2011 11:27 AM In reply to

    Re: B&O insurance claim! yay!

    You got email!

     

  • 01-27-2011 2:43 PM In reply to

    • BenSA
    • Top 75 Contributor
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    • Joined on 04-16-2007
    • Durban, South Africa
    • Posts 808
    • Gold Member

    Re: B&O insurance claim! yay!

    Friedmett:

    You got email!

     

    Who has an e-mail?Hmm

    Durban South Africa

  • 01-27-2011 3:03 PM In reply to

    Re: B&O insurance claim! yay!

    You Ben!

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