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  #21  
Old 24.02.2015, 19:48
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Re: Broken oven

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BTW what is RC?
Responsabilité civile which is basically the liability insurance.

I don't think ovens will be listed specifically but it should be covered under the liability part.
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  #22  
Old 24.02.2015, 19:55
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Re: Broken oven

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Responsabilité civile which is basically the liability insurance.

I don't think ovens will be listed specifically but it should be covered under the liability part.
Thanks.
Hope Kamarate/BF either reaches the insurance company quickly or that she has a neighbor who doesn't mind sharing his oven for the time being.
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  #23  
Old 24.02.2015, 20:03
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Re: Broken oven

We had a broken glass on our oven and it was quite easy to change although I fear that if the handle has broken you might need a new door.

Do check online if one is available, I got my Miele one from there.

Am I alone in thinking that if the door has had it due to age, why should Kamarate have to claim on her insurance when really the owner of the flat should replace it?
To me insurance is for accidental damage or loss - if she had dropped a saucepan on the door (like I did when the door was open) I can understand her having to pay or claim.

Last edited by 3Wishes; 24.02.2015 at 20:50. Reason: fixed name in text ;)
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  #24  
Old 24.02.2015, 21:07
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Re: Broken oven

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Hi Kamarata. From what I can see from your photo, you must have a Bosch 60cm oven with full front glass door. Please do not panic, if it is this model, you can simply put a new glass on the front. Or at the worst, change the door.
On the RH side edge of the door are all the ID Numbers you need to order a new one.
If I can help, let me know. I will be in St Blaise on the 25th from 10 - 12pm.
I'd advise double-checking the hinge/spring mechanisms for damage or flaws before purchasing a new door. It could be they are too damaged to just hang a new door, and you certainly wouldn't want to put a nice new door that you just paid for and have it fall off too.

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...Am I alone in thinking that if the door has had it due to age, why should Kamarate have to claim on her insurance when really the owner of the flat should replace it?
I think the question is, where does this fall in wear and tear? I've never known a single person whose oven door handle came off this way, much less the whole door. I'd guess either the previous tenants were a bit rough, or more likely there's a design flaw that makes it wear out unusually fast? I would certainly try to put more pressure on the agency first before claiming on insurance.
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Old 24.02.2015, 21:15
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Re: Broken oven

This can be claimed under glass breakage part of your insurance policy. Have personally had same event where oven door exploded. Contacted insurance and it was repaired under glass breakage part of contents insurance

The handles have come away because the glass has failed which is exactly what happened in our case

Also many policies have no deductible on glass claims
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  #26  
Old 24.02.2015, 21:20
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Re: Broken oven

At the moment it's classed as an accident because the glass door is smashed which is why I suspect the agency told them to call the insurance.
The insurance will assess the damage and if the door is proved to be defective ( due to age, normal ware and tear etc) or is so old that it has surpassed the normal expected lifetime for a cooker (15 years I think) then they will request that the landlord pays for the repair or replacement.

It shouldn't cost Kamarate anything either way because I don't think there's a deductible for glass ( at least there isn't in our insurance policy).
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Old 24.02.2015, 21:23
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Re: Broken oven

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At the moment it's classed as an accident because the glass door is smashed which is why I suspect the agency told them to call the insurance.
The insurance will assess the damage and if the door is proved to be defective ( due to age, normal ware and tear etc) or is so old that it has surpassed the normal expected lifetime for a cooker (15 years I think) then they will request that the landlord pays for the repair or replacement.
Looking at the photo its a typical glass failure or explosion. Pretty standard glass claim

Speaking from experience as made exactly same claim a few months ago, called insurance they said call the supplier get it fixed send us the invoice. No assessor even involved
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  #28  
Old 24.02.2015, 23:36
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Re: Broken oven

If you can find the metal plate with the oven serial number and model, you can contact the manufacturer to find out how old it is.

If someone was very diligent, the installation date may have been recorded on the user manual, if one exists. Or you might find a warranty card with the model and serial number on it.

I certainly would not be claiming on my insurance policy for an oven that is old and past its lifespan. The landlord should replace it. If age is not the cause, then I would make a claim under the glass coverage, as has been suggested.

I get really annoyed with landlords who just want to dump everything on the tenant. The landlord should contact the oven manufacturer and arrange a visit for them to inspect the appliance. Fortunately no one was hurt.

Be sure to inspect the floor for damages.
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  #29  
Old 24.02.2015, 23:39
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Re: Broken oven

Our oven door exploded pretty spectacularly a few years ago. It can be something as simple as a drop of cold water, a spatter of grease, or a material weakness in a certain part of the glass.

In any case, ours was covered under warranty, but even if it hadn't, these are not uncommon failures. The replacement door wasn't terribly expensive, and if your oven is more than a few years old, your landlord will be expected to contribute something towards the cost.

In our case, it was very helpful to have the insurance company write to our landlord with the guidelines for the aging of certain items in the house (and the relevant cost-sharing). There was no argument at all -- we paid the full bill initially, and our landlord (without question) reimbursed his share directly to us not long-after.
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  #30  
Old 25.02.2015, 04:19
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Re: Broken oven

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I'd advise double-checking the hinge/spring mechanisms for damage or flaws before purchasing a new door. It could be they are too damaged to just hang a new door, and you certainly wouldn't want to put a nice new door that you just paid for and have it fall off to.

I do not think you know much about ovens, the springs are in the DOOR.
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  #31  
Old 25.02.2015, 09:28
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Re: Broken oven

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No assessor even involved
An assessor doesn't have to be physically involved for the insurance to assess the damage. It is often done by phone.
In my experience the insurance companies usually ask a few questions before agreeing to replace an item. As Village Idiot says if the oven is getting on a bit they will expect the landlord to pay some of the cost.
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  #32  
Old 25.02.2015, 09:55
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Re: Broken oven

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I do not think you know much about ovens, the springs are in the DOOR.
My apologies. I was trying to use Kamarate's own words "springs/hinges" for reference.

It's one thing for the handle to break but that alone should not have caused the rest to fail and drop the door to the floor. I imagine the mechanism on the oven that holds the door in place could have been damaged as the door ripped off. That's what I mean should be checked, but I'm afraid I don't know the technical term for that part other than it's part of the hinge.
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  #33  
Old 25.02.2015, 10:25
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Re: Broken oven

Smashed oven door glass has happened to me twice!
Both times it was the welding on the door hinge that failed, causing one section of the metal hinge to spring forwards and break the glass.

The first time our household insurance paid to replace the hinge and glass, the second time the parts were un-avaliable due to the age of the oven (a very expensive Schöltes which was only ten years old), fortunately OH spotted a similar one being thrown out on a nearby street and 'borrowed' the pieces from that!

Slightly different case in that the oven was ours and not part of the fixtures and fittings, but the OPs household insurance should cover the damage.
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  #34  
Old 25.02.2015, 21:31
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Re: Broken oven

According to our insurance company they will only cover up to CHF 200. Let's hope it's just the door! (Can't see why it would be anything more).
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Old 25.02.2015, 21:36
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Re: Broken oven

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According to our insurance company they will only cover up to CHF 200. Let's hope it's just the door! (Can't see why it would be anything more).
Why? CHF 200 is normally about the amount of the deductible the tenant has to pay (household content or liability insurance), and if a couple insures their place for say CHF 75'000.- (household content insurance), I don't get it why the insurance would only pay CHF 200.-.

Was this your household content insurance provider's reply or the liability insurance company's reply?

Perhaps googling the model of your oven and checking the prices of the parts could help put you at ease - at least a bit

Last edited by glowjupiter; 25.02.2015 at 21:49.
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Old 25.02.2015, 22:02
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Re: Broken oven

Hey,

Check if your insurance policy inlcudes "Glasschaden".

Mine does and includes all damages to glass in the household up to CHF 2000.-
No deductible.
We have claimed twice.

1) The Milchglas splashback on top of the kitchen counter shattered along one length (2M roughly), this was replaced by a local kitchen fitter and paid for in full by the insurance.

2) My wife dropped her iPhone at home. The glass screen cracked. Managed to twist insurance arm and got this replaced under Glass insurance!
Initially they refused to pay because mobile phones are not covered but i kid you not, i explained to them that the phone itself was not broken, just the glass itself on-top of the screen.
They agreed to pay for the repair only of the Glass and no repairs to the phone itself.

Good luck,

Eli
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Old 25.02.2015, 22:02
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Re: Broken oven

Well the price of a door is less than CHF 200 so here's hoping!
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  #38  
Old 25.02.2015, 22:14
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Re: Broken oven

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Well the price of a door is less than CHF 200 so here's hoping!
Ah so probably they're basing their contribution on the "usual" price of oven doors, methinks
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  #39  
Old 26.02.2015, 12:01
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Re: Broken oven

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If you can find the metal plate with the oven serial number and model, you can contact the manufacturer to find out how old it is.

If someone was very diligent, the installation date may have been recorded on the user manual, if one exists. Or you might find a warranty card with the model and serial number on it.

I certainly would not be claiming on my insurance policy for an oven that is old and past its lifespan. The landlord should replace it. If age is not the cause, then I would make a claim under the glass coverage, as has been suggested.

I get really annoyed with landlords who just want to dump everything on the tenant. The landlord should contact the oven manufacturer and arrange a visit for them to inspect the appliance. Fortunately no one was hurt.

Be sure to inspect the floor for damages.
Exactly my point. My dishwasher failed it was ancient, I told the landlord and a new one appeared two days later fitted and working. I was expecting the old one repaired, but he felt the old one was beyond it's working life.

I'm very lucky to have such a good landlord. I can call him over and he will look at whatever issue I have and deal with it immediately.

The agencies job is to get in the way and minimise the cost to the landlord and maximise their fees. I have the feeling most agents in CH are scum with a few exceptions, still a personal opinion based on many experiences from others using agents.

It is the landlord that should keep the property in a state of good repair if the oven is 20 years old and a hinge fails that is his problem not yours. You are just using the item as it is intended and he has failed to maintain it properly. (Preventative maintenance by an engineer perhaps once every x5 years)

A good landlord sees this as keeping HIS/HER property in good repair. he should also factor in property maintenance into any accounts. I'm sure this is tax deductible in CH too?

If you'd dropped a saucepan on it by all means phone the insurers.
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  #40  
Old 26.02.2015, 14:12
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Re: Broken oven

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Well the price of a door is less than CHF 200 so here's hoping!
Does that include fitting? It may well be more when you take fitting it into account.
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