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How will my insurance company pay out on acidental damage to my PC?9 comments to How will my insurance company pay out on acidental damage to my PC?You must be logged in to post a comment. |
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Check your policy first then ring and ask for a claim form
You dropped your own PC. Having worked in insurance, they don’t pay out when you drop your own stuff. However, if you have a child under the age of 13, and the child damages something, say knocks over your TV, you are covered less your deductible. But in this case, don’t be surprised if they tell you you are not covered.
If you have accidental cover it will be covered except for any uninsured excess (which will be specifiied in the policy). Ring their claims line. They will probably ask you to get an estimate for repairs.
They are unlikely to send a man out for a small claim like this.
Take no notice of the lady above – I’m sure she means well but it doesn’t matter if you drop it yourself, it’s still covered.
Hi the only problem with making a claim on the insurance is thay you will have to pay say the first £150 or so to get it fixed so check your policy for your excess. If its a really good pc then its probably worth it but if its not too good its gonna cost you more than the value of the pc
Check your policy wordings first before making a claim. This type of damage may or may not be covered. If unsure contact the broker/agent who you purchased the policy from to confirm if there is coverage. If there is coverage then someone will come out to inspect the PC and will probably ask that you take it to a repair facility to check how much it would cost to repair. If the repair cost is less than the replacement cost then the insurer will pay to repair your current PC, less your deductible (excess).
You just ask for a claim form which you then fill in. They will ask you to get a repair estimate from at least 2 repairers. Unless you dropped it down the stairs dropping your pc is unlikely to have caused major damage and possibly it could just be a pci card, ram stick or cable jerked loose.
Phone them up and tell them what has happened. They may ask you to get estimates, but each case varies. I believe Norwich Union don’t pay out cash for this type of claim, they will deliver a new PC if it is beyond economical repair.
I hope you have accidental damage on your insurance or you won’t be covered.
if its covered – as they will look at computer and they can tell when you last used this but will be replaced on a like for like basis. That means no upgrade just the same as you had, so if it was top of rang years ago then will not be now. Also you have to pay to get your hard drive back as it will belong to insurance company – they have given you a new one!
, Home insurance is actually very flexible. I’m not familiar with all the fine print of my homeowners policy, but my home insurance agent is always helpful. Try calling your agent or a homeowners agent in your town. They will be able to assist you.