Laptop Insurance/Claim Discussion Area

mara

Savvy_Sue wrote:

Surely that's only if you've gone for the 'new for old' option rather than the 'current value' option? Or does no-one offer contents insurance on a 'current value' basis any more?

As far as I know the majority of home policies now operate on a new for old basis. Probably because once one company starts doing it, the others tend to follow or will lose a lot of custom.

impy78

Unless your policy documents state that you have an indemnity policy, then yes you should be covered new for old.

Ollie

Thanks for all your advice. I do have a new for old policy. Morethan sent round a "loss adjuster" on Tuesday and another company called CIIS picked up my laptop on Wednesday to "Inspect and Report" to the insurance company. Which i presume means to see whether or not it can be fixed. The loss adjuster wasn't particularly pleasant and was actually quite rude. Apparantly the insurance company will get this report next Tuesday then we'll see what happens.... I was under the impression that loss adjusters only get involved in really big cases where the damage to home/contents is very expensive.

lisyloo

The loss adjuster wasn't particularly pleasant and was actually quite rude.

If you are motivated enough, then make a complaint.
There's no reason for rudeness.

Ollie

I may well do that once the claim is complete. Not sure if doing it before would be a good idea

Ollie

Hi All,

I started a thread last week sometime regarding my 1st ever insurance claim. Incase you didn't see it, i'll recap.....my daughter pulled the power cable of my laptop (while it was on a desk) and it hit a chair following by the floor. The screen was badly damaged and it kept powering itself off. My insurance company sent round a loss adjuster who arranged to have a 3rd party collect it and do a "inspect and report" to see if it could be repaired.

Their report has now said that in their opinion the damage was too extensive to have been caused by being pulled off a desk. The insurance company are making various threats and basically calling me a liar. All because somebody at an electric repair shop has an opinion about how it occured.

I may be a lot of things but i am not a liar and do not condone insurance fraud. This was my 1st claim in 10 years of having contents insurance. What on earth do I do ???? Do I stick to my guns or give up and drop the claim ? I have to admit that i am a bit scared. I've done nothing wrong but they are treating me like i'm a criminal. My faith in insurance companies has been destroyed.

/edit - somebody on another forum has said that accusing me of fraud and calling me a liar is slander and I can threaten them back, asking them to prove it or withdraw the accusation and settle the claim

bustyb293

Read the post on why do people think there company is so good, really theft is the real test, like the old lady in the story....people should post there good companys and the bad, who cares if they gave them 60% discount and protected this and that, its not good if they dont pay out, like it was said, this old lady would not have bills going back 50 years, and she was treated like a liar, come on name and shame...but also big up the good ones.

unknown_786

my laptop is insured under my home insurance...i recently dropped my laptop and damaged it.....there is a £100 excess and the insurance company (natwest) having given my details to a local computer company who are going to come and take my laptop away..question is...if the repairs cost less than £100..will it still cost me £100...and also has anyone had any experience with how damaged it has to be for them to give a new laptop....im slightly confused...

Thanks in advance,

Unknown

gizmoleeds

unknown_786 wrote:

and also has anyone had any experience with how damaged it has to be for them to give a new laptop....im slightly confused...

In most cases if it would cost more to fix than they would have to pay out for a replacement.

Unfortunately most insurance policies will only value items at what they would be worth sold second-hand, not what they would cost to replace.

marble

I think most policies are 'new for old'. That is, if your laptop is damaged, you will get a brand new laptop of a similar spec. Of course, being a computer this will be next to impossible, so you'll probably get a low spec modern one.

In the event they repair it, you will pay £100 whether it costs them £10 to repair or £1000.

Al