Claiming for my damaged laptop on house insurance?

kyllle

Hey all,

Basically my girlfriend managed to wreck my laptop at the weekend by spilling a bottle of reef all over it and as a result it pretty much is dead with teh occasional bright white screen appearing the laptops quite expensive and Im hoping I can claim a new one back through my house insurance, has anyone been in this position before and is there any advice you can offer me before i get grilled by the insurance people?

Thanks in advance

Kyle

lisyloo

Do you have accidental damage option for contents?

When you say quite expensive, how much are we talking?
The reason I ask is that you will have an excess plus your premiums could rise for 3 years, so you have to consider that.

I would check out a replace price first before you aceept any offer.
Insurers like to give you vouchers (because they get big discounts for bulk from people like Comet/Dixons).

notsorichandnotsofamous

You should be able to claim if you have AD on your insurance policy.
I had to claim in May as my laptop screen had cracked,our insurance company Zurich arranged for it to be sent to powerplay (I think they have changed there name now)and they declared it beyond economical repair.We where then offered a similar spec laptop and once we had paid our £50.00 excess & a further £25.00 for the return of the hard-drive they sent it to us.We never had the option to receive vouchers or a cash settlement which would have been preferred as we would have rather bought 2 cheaper laptops for the same cost as the 1 replacement.

Deb

poet123

I claimed on my house insurance when my son knocked a pint of water over the laptop! I had to take it to local repairer and get a letter saying it was not repairable, and they sent me the cheque for the amount he valued it at. They were excellent. I also havn't really noticed much of an increase in premiums either.

kyllle

Thanks for the reply guys, the laptop cost me £950 from dell just over a year ago now hence why im kind of hoping my insurance will cover it, yeah i have accidental cover on my insurance also so I might as well use it i suppose. Thanks loads for your help guys.