home insurance help needed pls

bonjovibel_729

hiya i was just looking for some advice.......i was using my laptop the other day went to charge it and the power point went further inside the laptop so it is no longer able to be charged....i thought never mind i will borrow my daughters little pink netbook went to take it upstairs to my room fell up the stairs and dropped said netbook....it wouldnt turn on and as i wanted to get it fixed before my daughter returned from skool took it to the computer shop along with mine where the computer shop man said the hard drive has gone in the netbook and they are both not worth repairing...my question is are these items covered under my home insuance policy i have accidental damage cover but do you think it will be worth me making a claim have never had to do this before and really cant believe i broke two laptops in the same day.....to say my daughter was annoyed was an understatement lol

any advice wud be appreciated thanks

jonesMUFCforever

Phone the insurance company is my advise but take care - make absolutely clear to them that you are looking for information first as some companies will count your call as a claim whether they pay out or not.

You might try to work out after the excess and possible rise in the next premium whether it is worth claiming.
Only you will know this.

The_Pedant

Quick question first before you go down the insurance route:-
Does the computer shop actually do laptop repairs? Did they actually take anything apart when looking at the items?
The power connectors can often be soldered back on (it's a fairly common repair, as long as it's just the connector come adrift) and hard drives can usually be replaced (provided you have a way to re-install the operating system - as netbooks often don't have a CD drive). It might be worth seeing if you can get a second opinion before going down the insurance route.

If that's the only actual damage sustained in both cases, then it might well be possible to get them repaired for less than the excess on many policies.

xMonsoonx

Also remember what you have described would be counted as two claims - so 2 excess payments and 2 claims to be declared at renewal time.

bonjovibel_729

hiya did take it to the computer shop but they said it cud not be repaired without taking the whole thing apart which would be really expensive also the net book he said he cud replace the hard drive but then it still might not work and i would be out the 150 he quoted to replace it

vusys1

check you policy wording as some insurance companys exclude cover for accidental damage to laptops/notebooks/Ipads etc whilst being carried.