Value Checkers have LOST my laptop

dori2o

Made a claim on my insurance for damage caused to a laptop before Christmas.

Insurers requested that the laptop be looked at by Value Checkers to see if it can be repaired etc and they collected it in late November.

I had heard nothing since so I called the insurer today. They had no information so passed me through to Value Checkers.

They have acknowledged the laptop was received and it has been looked at and a report made, but the report does not advise whether the laptop can/should be repaired or replaced.

However, now they cannot find the laptop, therefore they cannot get a definative answer.

What should my next move be. As I see it I believe the insurers are responsible. They brough Value Checkers into the loop and therefore if thr laptop is lost I should be provided either with a new laptop or the money to buy a laptop.

Value Checkers advised that it is my choice to have them look at it and they cannot be held responsible for it's loss.

withabix

Your insurers are liable, assuming that THEY arranged for Value Checkers to look at the laptop and you didn't.

Who are the insurer?

Phone them. If you get no joy, as them to provide the address where a court summons should be served.

Then send them a 'letter before action', giving them a reasonable time period to respond - 7 calendar days is PLENTY.

Then start a small claims court action against your insurer.

dalesrider

withabix wrote: »

Your insurers are liable, assuming that THEY arranged for Value Checkers to look at the laptop and you didn't.

Who are the insurer?

Phone them. If you get no joy, as them to provide the address where a court summons should be served.

Then send them a 'letter before action', giving them a reasonable time period to respond - 7 calendar days is PLENTY.

Then start a small claims court action against your insurer.

How about following the ins co's complaints procedure 1st.


Letter before action advice from experts

Going to court is the last resort. The court will expect you to find another way of reaching an agreement before taking your claim to court. Otherwise, the court might decide that you will not get your costs back or that you should pay the other party’s costs, even if you win the case.

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Sending the letter before action

Keep a copy of your letter and get a proof of posting certificate free from the post office, in case the court asks for proof that you sent the letter.
The trader should acknowledge receipt of your letter within 14 days and then give you a full reply within a reasonable time. For most claims this would be around 30 days. If it's more complicated, the court might expect you to allow longer, up to 90 days. If the trader needs more time, they should write and tell you.

withabix

How about NOT playing by their timescales?

They are in the wrong.

You set the timescale.

Has always worked for me. Go for the jugular every time. I've never had to go beyond the Letter Before Action.

Always to my timescales. Including a £10,000 bill to Nissan UK and a £2000 cheque from RBS.

jasonshaw

Out of interest, who was your insurer? I've had to have my laptop looked at by them and they were less than helpful. Took a month to find out whether it was repairable. Apparently it was forgotten about at the bottom of the pile. They wrote it off in the end, I didn't see my pictures again