Laptop Insurance/Claim Discussion Area

hampshirebabe

My daughter has just spilt a glass of milk on my pc tower and its not working. How long will it take to get a claim sorted and get a new one do you think? I've never claimed for anything before, so no idea, I'm sure all companies are different, but just after a rough idea. The other thing is, its quite an old pc, so how would they decide how much its worth now, even the most basic pc these days would be better than mine, which is a dell. My insurance is with my amex card and has no excess.

fin1

Hi

Does anyone know of any company that will:

1) Insure someone already abroad (for over 6 months)?

2) Insure someone who is travelling for another 4 months or more?

3) Insure valuables older than 1 year of £400 or more, including new ones bought abroad, ideally up to £1000 or £2000?

Many thanks

Steve

fin1

bureaucrazy wrote: »

Many laptop insurance sites ask you to enter the value of the laptop. I got a £1200 laptop for £900. It took months of searching and waiting to get that deal. If it was stolen i'd have to pay at least £1000 for an equivalent model. What sum should i enter as the value of the laptop when applying for insurance? Some companies state in their FAQ that you must enter the undiscounted value e.g. not a sale price. But other sites don't advise at all. I called insure and go and they first told me to enter the replacement cost e.g. £1200 but then later said that the maximum payout would be what i actually paid. So what's the answer? Confused

Put in the higher amount and let them negotiate down.
Or, tell them the situation and agree on a value.

fin1

hampshirebabe wrote: »

My daughter has just spilt a glass of milk on my pc tower and its not working. How long will it take to get a claim sorted and get a new one do you think? I've never claimed for anything before, so no idea, I'm sure all companies are different, but just after a rough idea. The other thing is, its quite an old pc, so how would they decide how much its worth now, even the most basic pc these days would be better than mine, which is a dell. My insurance is with my amex card and has no excess.

Tell them how much it cost, and agree on a figure you're both happy with.

Let us know what happened in the end.

Shaunyac

Hey, just to bump an old thread but didn't think there was any need to create a new one.

We have a Home insurance policy with Halifax, and I've just rang them to add on a new Macbook Pro Retina which we've just purchased. The laptop is just shy of £2000 so I wanted to get it covered for accidental damage such as spills/drops etc.

They added the laptop fine and the premium has only slightly increased, it's now covered for in and out of the home, anywhere in the UK and abroad as long as we're there less than 30 days.

The question I wanted to ask though was that the laptop was bought on finance through the Apple store online, the finance is with Barclays. Would this make a difference if I had to claim or would they just replace it with the value it has been invoiced for. I told them on the phone the value is £1959 but I am paying around £2400 over 3 years for the finance.

Just want to make sure that if I was to ever claim there wouldn't be a problem and it would either be replaced like for like or for the same value.


Many thanks (: