KNOWHOW Multicare Cover

atlantis187

I've currently got the above insurance cover through currys which covers 3 items for £15 a month.

One of the items is my laptop. Last week I was at a friends house and we was sat outside of the balcony using the laptop as I got up I picked the laptop and it accidentally slipped out of my hands and went crashing all the way onto the ground from the second floor. There was pretty extensive damage to the laptop.

My policy covers for accidental damage so I sent this off to them last week. I have gave them a ring today to find out what is happening with it and they have told me the technician has referred this back to the coverplan team as there is signs of missus/negligence.

I've explained to them once again exactly how it happened as it fell from the 2nd floor that's the reason there is extensive damage to the laptop.

They have just told me to wait for the coverplan team to ring me and discuss this further.

If they do reject my claim is there anything I can do as it was genuinely an accident. How can they prove it wasn't an accidental and was negligence instead?

Thanks

debitcardmayhem

Sorry I can't help but I found this bit funny

as there is signs of missus/negligence

Please don't neglect your missus

atlantis187

Stupid spell checker on the ipad

closed

Based on that description, I imagine they will be wondering how it managed to go sideways over the edge instead of dropping a couple of feet on the balcony, so you may end up in the pile of want a new laptop so drop the old one claims.

atlantis187

The laptop went over as I was turning after picking the laptop up from the small table. It's only a small balcony so not much room.

tyllwyd

I guess they might argue that you were negligent taking the laptop out onto such a small balcony. Since balconies have railings around, were you holding it above the height of the railings?

InsideInsurance

Dont cross post https://forums.moneysavingexpert.com/discussion/4845434

esuhl

Check the terms to see what you are covered for. If they reject a legitimate claim, refuse to accept their decision and threaten to sue... (Then work out how likely you would be to win if you did sue.)

atlantis187

Thanks for your help so far guys.

They phoned me up today to come and collect my laptop from the pcworld store and they will not be fixing it.
Along with the laptop they gave me a very vaguely written bog standard letter that reads are follow:

"We have carried out an inspection and in the opinion of our engineer the damage seen is inconsistent with the reported explanation and/or the damage exceeds what we would expect given the circumstances. As a result of our findings the repairs are not covered by your agreement and your product will not be repaired."

They have given me an address where I have to put in writing if I want to challenge their decision.

Please help guys as I'm not very good at letter writing how do I prove and explain this was genuinely accidental damage.

Thanks