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House Insurance - laptop accidental damage

Old Feb 5, 2007 | 10:37 AM
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Default House Insurance - laptop accidental damage

Hi,
A few weeks ago, my laptop suffered an attack from our 5 year old, she tripped over the charger lead, pulled it out and snapped the pin inside the computer, the net result of which is that it will no longer charge and a computer repair shop said it cannot be fixed.

Is this something that would be covered under the house content insurance, for accidental damage I have the reciept (£700, 2 years ago) for the laptop and is it worth claiming? What would I expect our policy to go up by if we did claim, (only bought house last april so first policy) or would it be cheaper to get a new one for about £350 at todays prices?.

thanks,
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Old Feb 5, 2007 | 10:43 AM
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Take it somewhere else to get it fixed, it'll be cheaper than the excess that you'll have to pay if you make a claim.
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Old Feb 5, 2007 | 10:52 AM
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I don't believe that it can't be fixed.
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Old Feb 5, 2007 | 11:41 AM
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Phone up the insurance company and have a chat. They can be quite helpful sometimes You'll probably get straight through in a couple of hours

I agree that it probably can be fixed.

My kids filled a video camera up with sand and seawater and it was covered under home insurance with £50 excess.
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Old Feb 5, 2007 | 11:49 AM
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Things like this always depend on your own individual excess levels. Worth a call to your insurance company though, see what they say.

Best of luck.

SBK
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