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    • rekutt
    • By rekutt 11th Aug 18, 10:33 PM
    • 11Posts
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    rekutt
    Advice on insurance claim and change of job
    • #1
    • 11th Aug 18, 10:33 PM
    Advice on insurance claim and change of job 11th Aug 18 at 10:33 PM
    This may have been covered before on here but here goes.

    I put a claim in for a personal laptop with my insurance company Dial Direct last Saturday. I was then handed onto another company who would deal with the claim.
    The company is called Integra Insurance.

    I have a claim number and Iím currently waiting for them to get back in touch regarding the laptop.

    My issue is two things, this Integra Insurace have got really bad reviews and seem like an awful outfit to deal with but that remains to be seen I suppose.

    The main issue is that Iíve just changed my job, Iíve gone from a graphic designer to a freelance graphic designer so Iím doing the exact same job really. I had no idea at all about the issue of having to tell them! I know to some people in this forum that may sound crazy but I really didnít. And whatís scary is that over the past 15 years all sorts of insurance Iíve had may have been jepodised by me changing my job role and not knowing I had to tell them!

    Iím really worried they are going to cancel or void my claim for this over sight on my part. Iíve not lost my job or tried to get cheaper quotes etc, I took the insurace out months ago, and only decided to go freelance 3 weeks ago.

    Has anyone else had this happen to them and if so what happened? Or has anyone got any advice to help?

    Thanks in advance.
Page 1
    • Quentin
    • By Quentin 11th Aug 18, 10:42 PM
    • 38,012 Posts
    • 22,107 Thanks
    Quentin
    • #2
    • 11th Aug 18, 10:42 PM
    • #2
    • 11th Aug 18, 10:42 PM
    What does the policy say about informing them of changes to employment?


    Or are you saying this item has changed from being a personal possession to a business item and not covered by the policy?
    • rekutt
    • By rekutt 11th Aug 18, 10:49 PM
    • 11 Posts
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    rekutt
    • #3
    • 11th Aug 18, 10:49 PM
    • #3
    • 11th Aug 18, 10:49 PM
    Thanks for the reply Quentin

    My policy does say that they need to know if things change.

    No the laptop isn!!!8217;t a business laptop we!!!8217;ve had it 9 years. As a freelance designer I go into other design agency!!!8217;s and use their equipment so I don!!!8217;t work from home at all.
    • Quentin
    • By Quentin 11th Aug 18, 11:03 PM
    • 38,012 Posts
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    Quentin
    • #4
    • 11th Aug 18, 11:03 PM
    • #4
    • 11th Aug 18, 11:03 PM
    Just tell them (you say you just changed so shouldn't be an issue)
    • rekutt
    • By rekutt 11th Aug 18, 11:06 PM
    • 11 Posts
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    rekutt
    • #5
    • 11th Aug 18, 11:06 PM
    • #5
    • 11th Aug 18, 11:06 PM
    So do I tell Integra or Direct Dial?

    And do I tell them straight away before they ask or if they ask as the claim moves forward?

    Cheers !!!55357;!!!56397;!!!55356;!!!57339;
    • Quentin
    • By Quentin 11th Aug 18, 11:11 PM
    • 38,012 Posts
    • 22,107 Thanks
    Quentin
    • #6
    • 11th Aug 18, 11:11 PM
    • #6
    • 11th Aug 18, 11:11 PM
    Whichever company you are insured with (assuming that is the one that says you must inform them about the change in your employment status)


    What does it say in the policy about when changes should be notified?


    If it's immediately then do it now!
    • rekutt
    • By rekutt 11th Aug 18, 11:45 PM
    • 11 Posts
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    rekutt
    • #7
    • 11th Aug 18, 11:45 PM
    • #7
    • 11th Aug 18, 11:45 PM
    Will do! Cheers
    • elsien
    • By elsien 11th Aug 18, 11:58 PM
    • 17,822 Posts
    • 45,274 Thanks
    elsien
    • #8
    • 11th Aug 18, 11:58 PM
    • #8
    • 11th Aug 18, 11:58 PM
    It's probably that Dial direct are the insurer and Integra are the underwriter. So notify dial in the first instance and see what they say.
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
    • unforeseen
    • By unforeseen 12th Aug 18, 9:43 AM
    • 3,169 Posts
    • 4,143 Thanks
    unforeseen
    • #9
    • 12th Aug 18, 9:43 AM
    • #9
    • 12th Aug 18, 9:43 AM
    Insurance claim for a 9 year old laptop? Must be some laptop to make that worthwhile.
    • rekutt
    • By rekutt 12th Aug 18, 9:57 AM
    • 11 Posts
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    rekutt
    MacBook Pro 2009.
    • unforeseen
    • By unforeseen 12th Aug 18, 11:00 AM
    • 3,169 Posts
    • 4,143 Thanks
    unforeseen
    Unless you have new for old then you should get about £200. How big is your excess
    • rekutt
    • By rekutt 12th Aug 18, 12:33 PM
    • 11 Posts
    • 0 Thanks
    rekutt
    Yes I have new for old and it was named as special item on my policy along with our mountain bikes. Each item was down as £2000 so if they do pay out I!!!8217;m hoping to get the full amount.
    The excess is £150 so they said they would take it off the final payment.

    I spoke to Dial Direct and they seemed fine with everything. As I had come to them first and told them they were ok.
    As I!!!8217;m still doing the same job but as a freelancer my premium stayed the same too. They did say to ring Integra on Monday and tell them too so fingers crossed
    • Quentin
    • By Quentin 12th Aug 18, 1:02 PM
    • 38,012 Posts
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    Quentin
    New for old doesn't mean that you can expect £2000 in cash for a 9 year old laptop!

    You can expect the cost of a similar spec computer though it will be hard to find one with the original spec!
    • paddyandstumpy
    • By paddyandstumpy 12th Aug 18, 1:09 PM
    • 1,195 Posts
    • 679 Thanks
    paddyandstumpy
    Dial Direct are a trading name of BISL.
    They are simply brokers, and Integra are the insurers.

    I'm sure you'll have new for old cover so subject to the claim being accepted you should get a new laptop.

    The only flag they may raise is you claiming for a MacBook 'Pro' as a personal use laptop, given your occupation.
    • rekutt
    • By rekutt 12th Aug 18, 2:26 PM
    • 11 Posts
    • 0 Thanks
    rekutt
    Quentin I hear what your saying but the only 15 inch MacBook Pro Apple do now is over £2000. I!!!8217;m not expecting that plus they have said they will give me a bank transfer not a replacement as they have already asked for my bank detail in the claim. The only way of getting a 15 inch MacBook Pro for less is second hand off Ebay. I!!!8217;d be happy with half of what it!!!8217;s worth to be honest.
    • rekutt
    • By rekutt 12th Aug 18, 2:33 PM
    • 11 Posts
    • 0 Thanks
    rekutt
    Paddyandstumpy.

    Again I hear what your saying but my parents have a MacBook Pro as their own personal laptop as they had pc laptops in the past 10 years and they only last 3-4 years before they slow down and have issues.
    The reason I have a MacBook Pro is they are built to last. If you take care of them like we have done then 9 years is worth every penny we paid. That!!!8217;s why my parent have one. Plus there are easy to use The kids still have original iPad minis going strong. I bet they are 5 years old now.
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