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Laptop and house insurance
Comments
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Singlespeeder said:Darling daughter is on a Graphic design Master Degree course and needs & uses a pretty good MacBook.
She's genuinely split water on it and despite drying in bags of rice etc it's goosed.
She NEEDS it but can't afford to replace it.
She lives with her mum, not me.
I've said to claim on the mums house insurance, the mum is concerned it'll whack up next years premium.
A new one is probably about £2000
Surely this is exactly what house contents insurance is for.
And if the insurance premium went up a lot (57% I read somewhere) surely shopping around for a new insurer would negate this somewhat .?
Should she try and claim or save up ( could take months)?
With Aviva I recently had to claim for a new TV as I accidentally damaged mine. It was no problem. Nobody even had to come to do the loss adjusting thing, we had to simply make a small video (on a mobile, nothing complicated) of the damage, explaining what had happened and complete a form online then send it all off online. I was even able to buy a new TV before the insurance payout was granted but of course that was much cheaper than a MacBook.
My premiums haven't risen at all - and I've had three claims in the last ten years - but all insurance companies are different I guess. Maybe it's because my insurance is for tenants that premiums are so low and we don't have to pay an excess or increased premiums? I don't know but I do appreciate it.
This - "And if the insurance premium went up a lot (57% I read somewhere) surely shopping around for a new insurer would negate this somewhat .?" wouldn't work because there's a database called CUE which all insurance companies refer to when they receive insurance applications, so changing to a different insurer wouldn't help as any insurer can check for previous claims and adjust prices accordingly, if they wish.
https://www.experian.co.uk/business-products/claims-underwriting-exchange
There doesn't seem to be much point having contents insurance if no claims are going to be made - in your daughter's case I think the price of the item damaged warrants a claim.
Accidental damage can happen to anything in the home, at any time. As I discovered with my TV.Please note - taken from the Forum Rules and amended for my own personal use (with thanks) : It is up to you to investigate, check, double-check and check yet again before you make any decisions or take any action based on any information you glean from any of my posts. Although I do carry out careful research before posting and never intend to mislead or supply out-of-date or incorrect information, please do not rely 100% on what you are reading. Verify everything in order to protect yourself as you are responsible for any action you consequently take.1 -
[Deleted User] said:DullGreyGuy said:Singlespeeder said:I'm not sure tbh, it may have been a named item, I hope so.
Other policies have single item limits of £750 or special terms on Laptops and so would need to be declared.[Deleted User] said:Genius Bar is a waste of time. Even if they were willing to do anything, it would cost more than a new ones. Macs are designed to be impossible to repair economically.
Like ultra thin laptops from other companies, and now even more so with the new "system on a chip" M series, the main issue is that CPU, memory etc is all soldered to the motherboard and so where with a desktop computer you'd just pull out the dead ram module and replace just it with these laptops its the whole board that has to be replaced. This isnt unique to Apple when it comes to laptops!0 -
I also have a low cost policy (£2.56 a month) designed for social housing tenants, but laptops are a specific exclusion so aren't covered.0
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I am currently going through the exact same situation , A macbook accidentally damaged . I have gone through the house . I have had to pay the £250 excess and its currently with Apple being repaired.
My only real gripe is that when setting my insurance up it asked if i had any items over £1000 as they need to be itemized , for some reason i chose to list this machine even though it cost £899. Had i not done that i was told my claim would have been rejected .0 -
Redredrobin said:My only real gripe is that when setting my insurance up it asked if i had any items over £1000 as they need to be itemized , for some reason i chose to list this machine even though it cost £899. Had i not done that i was told my claim would have been rejected .
The declared value should be what it would cost today to buy a new replacement... if you buy something secondhand or refurbished etc then almost certainly it needs to be declared at a higher value but similarly with the current inflation items are getting more expensive and so any item may cost more new than what was paid originally (less so with tech unless its newish)0
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