MacBook died - Halifax Accidental Damage

dacouch

I don't think Halifax will value the Mac Book at £200 based on what second hand Mac Books are selling for. It's a New for Old Policy.

Halifax tend to have a lot of "small print" so it would be best to make sure the Lap Top is covered and any additional terms they apply to it.

I'd be interested in Flamecloud's opinion.

P.S Jabba, beaware that Halifax are very likely to check the hard drive to check when the Lap Top was last used to see if it tallies with what you declare to them and to check for faults

FutureGirl

If your policy is new for old then they will give you a new laptop. They will take the old one in first though to check it isn't repairable most likely.

They will give you something equivalent to what you had and, if they can't get that due to technology advancing, then it'll be something better than you initially had. You will likely get the new MacBook available on the market from Apple. This is the way the company I work for do things.

Jabba198

dacouch wrote: »

I don't think Halifax will value the Mac Book at £200 based on what second hand Mac Books are selling for. It's a New for Old Policy.

Halifax tend to have a lot of "small print" so it would be best to make sure the Lap Top is covered and any additional terms they apply to it.

I'd be interested in Flamecloud's opinion.

P.S Jabba, beaware that Halifax are very likely to check the hard drive to check when the Lap Top was last used to see if it tallies with what you declare to them and to check for faults

Aretnap wrote: »

Interesting. If Jabba *is* looking at a valuation of ~£200, then bearing in mind that there'll be an excess to be deducted from that, and that making a claim will likely result in an increase to his premium for the next few years, it must be doubtful whether it's worth making a claim at all.

That's what I'm worried about. The fact I have to pay the excess before they give a decision is what makes me unsure. Especially as it's a £250 excess! Could end up £50 out of pocket with nothing to show as such

Jabba198

dacouch wrote: »

I don't think Halifax will value the Mac Book at £200 based on what second hand Mac Books are selling for. It's a New for Old Policy.

Halifax tend to have a lot of "small print" so it would be best to make sure the Lap Top is covered and any additional terms they apply to it.

I'd be interested in Flamecloud's opinion.

P.S Jabba, beaware that Halifax are very likely to check the hard drive to check when the Lap Top was last used to see if it tallies with what you declare to them and to check for faults

Are they allowed to check your hard drive? It has personal info on there! It was on and in use when it happens so that's alright.

Jabba198

I'd like to think it would be a simple send it to them, they replace new for old.
But there are so many scenarios, they pay current value, they fix it (which is alright but hardly worth the hassle)

Makes me wonder if I should just look to buy a replacement myself

Nasqueron wrote: »

Out of interest are you the same poster as jacko198 who also had a 2007 MacBook?

Just curious because that poster had a technical problem with their MacBook and was looking to buy a new one and work how to do it in the cheapest way possible?

Nope, but that's interesting, might need to use that advice and just take the plunge on my own!

ThinkingOutLoud_2

dacouch wrote: »

I don't think Halifax will value the Mac Book at £200 based on what second hand Mac Books are selling for. It's a New for Old Policy.

So I said <£200. Which as OP says makes it likely to be worth close to his excess (figure not cited)

Where does it say new for old in the AD section of the policy? And why does the clause I posted not seem the most likely for them to apply?

Jabba please tell us all what happens...

Happy to be corrected / often wrong per my signature ��

rs65

ThinkingOutLoud wrote: »

Where does it say new for old in the AD section of the policy? And why does the clause I posted not seem the most likely for them to apply?

There are a few Halifax wordings but the one I looked at says new for old applies to Contents cover, Contents – Accidental Damage Optional cover, Personal Belongings and Money cover, Pedal Cycles cover, Freezer Contents cover, and Clerical Business Use cover

In my experience, the irreplaceable part you referred to applies to antique and vintage items, not 10 year old laptops.

minimike2

Aretnap wrote: »

Interesting. If Jabba *is* looking at a valuation of ~£200, then bearing in mind that there'll be an excess to be deducted from that, and that making a claim will likely result in an increase to his premium for the next few years, it must be doubtful whether it's worth making a claim at all.

But they are going to declare the loss on their next home insurance application regardless of if they make the claim or not, as is standard requirement of an insurance application, aren't they