I have an old laptop bought in 2003. was working fine uptill now when my son spilled a glass of water on it.?

Question

I tried to dry it in the sun, took out the battery dried that too. Now, the laptop does work but most keys of the keyboard dont work. I can only make it work by a keyboard connected via USB.

I have a home insurance which covers accidental damage. I called them and they said they will post me a claim form. They also said i will need 3 quotes for replacement/repair if possible. If getting quotes is not possible they will get such quotes for me. I am waiting for the claim form. Can anybody advice on what I should do to get the best claim?

My laptop bought in 2003 was worth £750 appx. can i get somewhat a similar figure to buy a new one?

Answer 1

I doubt you'd get £750 as prices of computers and laptops have come down significantly since 2003.  You would be able to claim for a new laptop with a specification equivalent to your old one.

No offence but it sounds like you're with a really backwards insurance company.  Where I work, the details are collected over the phone (no messing around with claim forms etc) and they shouldn't expect you to go out hunting for quotes to get the laptop replaced/repaired either - that's their job, not yours.

If the insurer insists on you completing a claim form, can't you go to their website and print out a copy of it (or ask that they email you a copy of it)?  That should save you time.

Answer 2

They will either:

1) Refund the money you pay for it (good insurers do this)

2) Give you an equivelant priced laptop (A £750 laptop of todays standard)

3) Give you an equivelant new laptop with similar specs

It depends on how it all falls through, but I would be guessing that it will probably be number 1.

Answer 3

I suggest you put some more water and make sure its not working at all, and claim it properly.

Answer 4

Look aroud Here,You should find  some useful tips for your question.Good Luck.http://home-insurance.featured-resources...

Answer 5

As Alex posted, if it is beyond economical repair then they will either replace or pay for you to replace. Either situation will put you back into the same position as you were before the incident.

Do bear in mind that a similar-spec laptop will cost less now to replace.

Answer 6

HELLO

MOST COMPANIES REQUIRE QUOTES TO REPLACE ITEM AT TODAY'S PRICE TO THE PREVIOUS STANDARD

IF YOU CAN REPLACE YOUR LAPTOP NEW FOR £450

BECAUSE OF FALLING PRICES THEN YOU WOULD GET £450.  THEY ARE GOING TO REPLACE IT NOT LET YOU MAKE MONEY OUT OF IT

IF THEY CANNOT FIND ONE WITH THE SAME CAPACITY ETC THEN THEY WILL SUPPLY ONE OF THE NEXT LEVEL UP SO COULD BE £500

BUT THEY MAY ALSO INSIST ON PAYING DIRECTLY TO THE SUPPLER AS INSURANCE COMPANIES WERE FED UP WITH PEOPLE HAVING ACCIDENTS AND CLAIMING FOR ONE THING THEN BUYING SOMETHING ELSE WITH THE CASH, TO THE EXTENT THAT FOR SOME THIS IS NOW COMPANY POLICY

MY FIRST VIDEO COST £399 TODAY THAT CAN BE REPLACED BY ONE COSTING £50