Laptop Damage

snarffie

Hi,

I stepped on my laptop the other day, and the screen is broken.:o Ok, I'm an idiot.

It is covered under my esure policy, but I was wondering how the insurer is likely to tackle this. As the laptop was bought for £500 two years ago, I was wondering if they would give a part payment towards a new one (my preference) or just get me to send it in to be repaired. I don't know if it's damaged other components, so does that have a bearing? A new screen would cost me c.£150, and any additional parts would add to the cost of course.

Is there any way of steering the claim in the direction of a part payment, do you think? Not sure how this works, but as there will be damage to my no claims discount, I'd like to maximise the compensation, if possible.

Thanks for any advice.

Snarffie

poppy_f1

when i claimed on the house insurance for a broken laptop they asked me the make and model then sent me a brand new machine rather than a cash payment - however my machine was allegedly water damage and unrepairable

snarffie

poppy_f1 wrote: »

when i claimed on the house insurance for a broken laptop they asked me the make and model then sent me a brand new machine rather than a cash payment - however my machine was allegedly water damage and unrepairable

Did you have to send it for repair for them to evaluate the damage?

FlameCloud

It will depend on several things-

Time on cover
Claims history
Financial history
Whether they believe you.

The way they settle the claim would be up to the insurer, you dont have a right to demand a particular way. The process usually goes Repair>Replace?Cash, so it would usually be their last option.

snarffie

Shame, because I'd like to have put some cash towards a new macbook instead of geting another windows laptop.