Contents insurance for computer over £1500

BoyJohn811

Hi, I was wondering if anyone had experience with contents insurance over the limit per item (mine is £1500 with Aviva). I am about to buy a computer, which will cost over the £1500 limit. Can I perhaps split the costs into two separate purchases and buy components separately, so I would have individual bills below the limit, even though the components will be housed in a single item? Thank you.

DullGreyGuy

Our Aviva policy only requires items over £10,000 to be declared and never going to be buying a workstation at that sort of price!

As to components, it depends on how granular you mean... if you are talking monitor, tower and keyboard/mouse as three separate items then you may well get away with it assuming they are available to buy separately. If you are talking about RAM, CPU etc that will be delivered as a prebuilt machine then you are on thin ice.

Alternatively just declare the computer at its correct price and pay the additional premium for a named item.

MattMattMattUK

BoyJohn811 said:

Hi, I was wondering if anyone had experience with contents insurance over the limit per item (mine is £1500 with Aviva). I am about to buy a computer, which will cost over the £1500 limit. Can I perhaps split the costs into two separate purchases and buy components separately, so I would have individual bills below the limit, even though the components will be housed in a single item? Thank you.

It depends if you are buying the components and assembling it yourself, or if you are buying it as one complete unit. Buying one and splitting the invoice will not work. Or you could just tell your insurer, who from my experience (Direct Line) will say that they are fine with it and it will just need to be listed, rather than costing you anything extra.

BoyJohn811

Thank you very much for the answers. It would be more for the internal components, so I think I will contact my insurer then and ask, just to be on the safe side.