When is a laptop not a computer?

mchaggismuncher

Thanks all for comments. I am not disputing it, just typically vague on the description in my opinion but doubt they would budge anyway.

They made me get a quote for repair and paid that minus my 100 excess.  

Repair company doesnt want to repair until new year so gives me a bit of thinking time.  I still have outstanding finance on laptop regardless of repair and was considering using payout to put towards clearing finance rather than the repair.  Can I do that without causing issue with insurance coy?  Seems they leave it all up to me and never asked for proof of repair. 

DullGreyGuy

mchaggismuncher said:

Can I do that without causing issue with insurance coy?  Seems they leave it all up to me and never asked for proof of repair. 

Assuming it's a cash settlement then absolutely. They discharge their liability by paying you, its up to you what you do with the money after.

TELLIT01

Annemos said:

Seems strange to me..... (I cannot comment on the 10,000 pounds issue. Do you get a separate Policy Schedule for the actual Pounds amounts covered?) 


Page 27   Contents Accidental Damage...... 

What is not covered  ADMIRAL GOLD PLATINUM    (I) Accidental damage to mobile phones, laptops, tablets or notebooks, unless ‘Accidental damage (III) Contents’ appears on your policy documents. 

Then if we go and look at Office Equipment on Page 24: I interpret the highlighted bit below to kick you back into "what is a contents insured risk"....   and then we are back into the ones stated above on Page 27 and 28 again. Which we just decided is OK for your Laptop....

Office Equipment:  Loss of or damage to office equipment belonging to you or your family, and used at home or outbuildings for office work, as a result of any contents insured risk. By office equipment we mean: computers, keyboards, monitors, printers, fax machines, photocopiers, landline phones (not mobile phones) and office furniture. It does not include any trade items held in stock.

Also the fact that this last one DOES specifically disallow mobile phones, but does not mention Laptops might help on your side?  (And a Laptop is just a Portable Computer anyway?)   And in the General Definitions there is no definition of "Computer". And why would a laptop be included for a Home-use laptop, but not Office use laptop? 

I would guess the reason for the difference in treatment of PCs and laptops is that laptops are considered to be portable devices and therefore more at risk of accidental damage than a PC.  Grouping them with mobile phones, tablets etc would seem to support that view.