Laptop Insurance Policy

Rebecca.

I'm looking into taking out laptop insurance with Endsleigh, and trying to get my head around what is and isn't covered under the policy.4

The policy (http://dev.secure.endsleigh.co.uk/hostdocs/PolicyBooklets/GADGET/current.pdf) states the following:

What is covered:
1 Theft or attempted theft

What is not covered:
1 a) Theft involving deception.
b) Theft from a parked motor vehicle unless the item was concealed
in a locked boot or glove compartment, all windows and doors
were locked and all security systems were activated.
c) Theft from a parked convertible motor vehicle unless the item was
concealed in a locked boot and all security systems were activated.
d) Theft not involving violence, the threat of violence, or forcible or
violent entry other than at Your permanent address.

So does this mean that if the laptop is stolen from my permanent address, I'm covered? And I'm also covered if it's stolen from somewhere else if the theft involved violence/forcible entry? So it would be covered if stolen from a hotel room, for example?

huckster

You are covered at your permanent address for theft, unless it involves deception or non violence. i.e someone just takes it with or without your knowledge, without any crime being committed. ( If a member of your family or anyone permanentely borrows (takes) it from you)

Elsewhere in any building, there has to be forcible and violent entry. So if you take it into any building and it just gets stolen, without there being any forced entry you will not be covered. e.g this may include a hotel room, where say you leave it in the room and it get stolen, without there being any signs of a break-in to the room.

Rebecca.

huckster wrote: »

You are covered at your permanent address for theft, unless it involves deception or non violence. i.e someone just takes it with or without your knowledge, without any crime being committed. ( If a member of your family or anyone permanentely borrows (takes) it from you)

Umm, that is a crime! If a friend permanently takes my laptop without my permission, that's theft.

I don't envision that happening, but if it did, why would that not be covered under the policy? (Assuming it was taken from my permanent residence). The way I'm reading the policy, any theft from my permanent residence is covered, unless it is theft involving deception.

[Deleted User]

Rebecca. wrote: »

Umm, that is a crime! If a friend permanently takes my laptop without my permission, that's theft.

I don't envision that happening, but if it did, why would that not be covered under the policy? (Assuming it was taken from my permanent residence). The way I'm reading the policy, any theft from my permanent residence is covered, unless it is theft involving deception.

It would still be theft, but only if you phone the police and report them as stealing it.

huckster

Rebecca. wrote: »

Umm, that is a crime! If a friend permanently takes my laptop without my permission, that's theft.

I don't envision that happening, but if it did, why would that not be covered under the policy? (Assuming it was taken from my permanent residence). The way I'm reading the policy, any theft from my permanent residence is covered, unless it is theft involving deception.

You will get cases (sad) where a member of the family or a partner takes the laptop, but the policyholder will not report this as a theft to the Police. If the theft is not reported to the Police, there has not been any crime in the Insurers view. Do you see what I am getting at ?

Rebecca.

huckster wrote: »

You will get cases (sad) where a member of the family or a partner takes the laptop, but the policyholder will not report this as a theft to the Police. If the theft is not reported to the Police, there has not been any crime in the Insurers view. Do you see what I am getting at ?

Yes absolutely. So ultimately, if someone steals my laptop from my house, and I report it as theft to the police, I'm covered, even if there's no forced entry? (Again, I don't envision this happening, but it's always better to be safe than sorry!)

huckster

Rebecca. wrote: »

Yes absolutely. So ultimately, if someone steals my laptop from my house, and I report it as theft to the police, I'm covered, even if there's no forced entry? (Again, I don't envision this happening, but it's always better to be safe than sorry!)

That is what the policy says.

Remember that if you did suffer a loss, where there were no visable sign of forced entry to your permanent address, questions would be asked. I doubt that any claim in those circumstances would be straightforward. I suspect that there is a general condition in the policy about taking reasonable precautions to prevent a loss from happening. i.e locking all doors and windows when the house is not occupied. If you went out leaving doors unlocked or windows open, I can't see the Insurers paying out.