Laptop insurance claim advice

A5hy

The other day I spilt water all over my MacBook Air, it is now broke.

Luckily it's insured with helpucover. Has anyone any experience claiming of them?

What is my best approach to claiming? What are they likely to ask me? They do cover water damage which is good. But am I best just saying it has been lost/stolen? It just seems more black and white and they maybe less likely to wriggle out of it.

Thoughts anyone?

Thanks!!

Faith177

A5hy wrote: »

The other day I spilt water all over my MacBook Air, it is now broke.

Luckily it's insured with helpucover. Has anyone any experience claiming of them?

What is my best approach to claiming? What are they likely to ask me? They do cover water damage which is good. But am I best just saying it has been lost/stolen? It just seems more black and white and they maybe less likely to wriggle out of it.

Thoughts anyone?

Thanks!!

It's really not a good idea to lie to your insurance company thy can cause you no end of problems.

Just contact them explain what happened and go from there. We had to claim for the same thing on my OH's MacBook it was repaired within 2 weeks and it's been fine ever since.

If they cause any problems you can always go to the FOS

chanz4

What your are thinking of doing is fraud

hugoshavez

chanz4 wrote: »

What your are thinking of doing is fraud

Mmmm, probably not actually.

bouncydog1

And then you need to start saying where it was lost/stolen. If stolen you needed to file a police report. If lost then you need to give details of where you were. If insurers suspect you are lying (which you will be) they will make further enquiries and seek evidence that you were where you said you lost it!!

You will get deeper and deeper in the mire. Just ring them and explain that you have spilt water over it and they should advise you to take it for repair to an approved Apple dealer. Personally I would have taken it straight away rather than leaving it for a few days as it could probably have been dried out, whereas by leaving it the water has had a chance to seep into the components. You have an obligation under the policy to mitigate losses and your insurer may ask why you delayed the process! Were you just hoping for a new one?

Dangermac

hugoshavez wrote: »

Mmmm, probably not actually.

mmmmm, definately yes.

rs65

A5hy wrote: »

The other day I spilt water all over my MacBook Air, it is now broke.

Luckily it's insured with helpucover. Has anyone any experience claiming of them?

What is my best approach to claiming? What are they likely to ask me? They do cover water damage which is good. But am I best just saying it has been lost/stolen? It just seems more black and white and they maybe less likely to wriggle out of it.

Thoughts anyone?

Thanks!!

You are worried about insurers wriggling out of a claim but you are prepared to lie?

Unbelievable.

chanz4

hugoshavez wrote: »

Mmmm, probably not actually.

your telling me "But am I best just saying it has been lost/stolen?" isnt fraud if its not true

unsure100

Wait for the visit from the loss adjuster

A5hy

Thanks for the comments. I pay every month for insurance and have done for a very long time. I have heard that insurers can be very difficult and just wanted to make sure I am not left with nothing.

hugoshavez

chanz4 wrote: »

your telling me "But am I best just saying it has been lost/stolen?" isnt fraud if its not true

If there's a valid claim to begin with (and the OP says there is) and he's thinking of misrepresenting the details because he thinks that way the claim will likely be more straightforward, then that's not fraud, no.

It's not right, and could lead to the claim being declined, but it's not fraud.