Depends on your policy. My baby ruined my stereo speakers, she chewed and picked the rubber that seals in the speaker. I rang the insurance, not thinking I could claim it but giving it a go anyways, they laughed, said it would be considered non malicious accidental damage, and I got a new set of speakers next week. They said it was the first time they had had aclaim for a baby chewing through speaker seals, normally the claims are for dogs doing it. So, the moral is, give it a go!
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