Jamz3k

I have never claimed on my contents insurance and well my laptop is well and truely buggered. What generally happens if for instance my knee went thru my computer screen whilst vacuuming the living room? do i need to prove my knee accidently went thru it? do i need an engineers report? whats the craic really?

Just out of interest mind!

what would scooby do

They know all the tricks so you have already been a bit silly stating that you intend to carry out insurance fraud on-line.

Jamz3k

I haven't stated anything other than I have never claimed off my insurance before so i don't know how it works.

what would scooby do

When the judge or magistrate weighs up the evidence..

Just trying to point out that the courts and insurance companies take into account lots of facts and evidence..

Jamz3k

Yes, mate.

zs_phil

iTrader: (1)

with my buggered laptop a few years ago ,my young daughter back then accidently spilt a drink of juice on it, they took the model number and sent 1 of the same spec the next day ,they didnt send anyone out

Jamz3k

Why thank you Phil, It was tremendously bad luck that your laptop went faulty then got destroyed within quick succession.


Our moral compasses i believe are pointing in the same direction.

Lisawrx

iTrader: (1)

If it is in fact broken in some way, just phone and report it, so long as you are covered for things like this.

Recently I had to do the same thing. Genuine, not trying to screw someone for a new one, just to add for clarity. I spilt a cup of tea all over it (long story). Basically, we contacted the insurer, they asked for all the details, and then passed it on to another company to settle. They too, took details, and perhaps due to the type of damage, sent out vouchers of a certain value to get a replacement (can only be used in a few stores).

All along they asked if I still had the broken one (which I did), so I'd be careful if you are not being altogether honest, as you could be caught out, and it's not worth it imo.

Sonic'

didnt you post about this at the time Lisa, or was that on another insurance thread

Im not actually sure if I have accidental damage or not on my policy, but tbh for the majority of things in the house it just isnt worth claiming for, and that includes the laptops

I had to claim a few years ago for my garage getting burgled, and it was a painful horrible ordeal (not the burglary itself, the loss adjuster coming round was far worse imo)

I never did get the full value of things back, but most things got replaced as they decided they would replace all my tools, depsite me even having photos of a lot of stuff and receipts they still tried to avoid paying out, and then my premiums went up

Lisawrx

iTrader: (1)

Possibly. I did make a silly comment on an insurance thread ages back(someone elses, who seemed to be getting a bit shafted), in all honesty, but that was way before my claim.

In my claim, we were totally straight up about what happened. We weren't sure if we were even covered. I think we were lucky, as we don't have accidental damage cover as such, but reading through all the stuff, there was a part which under the normal insurance, covers for damage to entertainment stuff (tvs, computers, stereos etc.)

Don't know how much it will impact the premium yet, so have to wait and see. They were really good with the claim though, all dealt with, within about a week.

TopBanana

I knocked mine off my desk with my elbow and that seemed to damage it beyond economical repair according to my insurers.

Leslie

We had a cupboard fall off the kitchen wall once breaking all the china but they would not pay out since they said it was not an accident!

Les

Coffin Dodger

I should think not, sounds like a case of shoddy workmanship to me Insurers should not have to pay out for stupidity.

MattW

Thanks very much as we all have to pay for fraudelant claims through higher insurance.

The annual cost of insurance fraud to the industry is estimated to be around £1.6 billion. This adds nearly £40 to the average premium paid by honest policyholders.

One in ten Britons commits insurance fraud

Leslie

It was still an accident as far as the person who opened the cupboard door was concerned, and a dangerous one at that.

Are you in the insurance business?

Les

nik52wrx

Drop it down the stairs

andythejock01wrx

A typical "accidental damage" cover provides cover for any fortuitous event (ie not deliberate on your part) which is not specifically excluded Exluded events would include wear and tear, defective workmanship, mechanical breakdown. Likely it was considered to have resulted from one of the excluded events.

A tad harsh imo.

AndytheJock, CII Diploma, ASCT, etc, etc

TopBanana

It sounds like they fobbed you off Leslie. It should have been covered.

David Lock

Here we go.......

Another "can I get away with being a bit dishonest thread"

dl

urban

iTrader: (1)

And why shouldn't he?

He's probably been paying for his insurance for years and as stated has never claimed.
However, dishonest John down the road who's on benefits probably claims for everything possible.

MattW

So what you are saying is that he should claim for his knackered laptop, by defrauding his insurance company that it was accidentally damaged.......because other people do it?

urban

iTrader: (1)

Just stating a fact that people do claim for "accidental" damage from time to time.
Maybe circumstances dictate this sometimes

MattW

Yup, the circumstances would be that the policy holder is a lying little thief.