Damaged Macbook insurance claim... updating.

theDoctor

Hi all,

First time posting but I thought it may be useful as I've just submitted a claim through the home contents insurance that a running commentary of what's going on and the service that is received could be helpful for some.

On Sunday, i slipped from the top step at home, Macbook and coffee in hand and ended up in a heap at the bottom, sans laptop.

The Macbook left my hand at the top of the stairs bounced open about half way down and continued to the bottom of the staircase where it hit the radiator with the corner of the screen.

This has left it with a broken screen and a cracked body and hinge with some wires hanging out of the back. Not so good!

We're insured through the AA (who it turns out act as a front end for Legal and general). A quick call on Monday morning and a very helpful advisor took all the details, filled in the claim form and advised that we would be passed onto Be Group who would deal with the claim from there on in: repair or replace depending on viability).

We received a call from them within three hours to state that someone form DPD would be coming to collect the broken machine today (the day after reporting the claim).

So, today we received a text saying the courier would be with us between 2 and 3pm and accordingly he arrived at 2:20. He's taken the damaged Macbook and left us with a receipt, apparently on behalf of Powerplay Direct (there seems to be an older thread on here about how poor they are when dealing with these things but fingers crossed...).

So, so far so good. I'll update as matters progress.

forgotmyname

Did you do some test quotes to see how much this claim will add to future premiums?

theDoctor

Substantially less than the cost of replacing the Mac, let's put it that way. In all honesty when it comes to renewal time I've always found doing a quick Confused or the like search tends to be able to balance things out.

InsideInsurance

theDoctor wrote: »

We're insured through the AA (who it turns out act as a front end for Legal and general).

They are not a "front", the AA is a broker. They take your details, pass them to all the insurers on their panel and as a non-advised sale they simply place your business with the one that comes back with the lowest price.

dacouch

The Insurers will often check this type of claim eg dropping a lap top down stairs especially if it's an old lap top as it's a common source of fraudulent claims.

Don't be offended if they call you for a very detailed telephone conversation asking exactly what happened and for you to need to go over the story more than once.

They will normally check the hard drive to see when it was used last and if it agrees with what you tell them.

It's an Insurers way of weeding out fraudulent claims and should be no problem if everything is in order