Has anyone got their insurance to payout if the WC system leaks?

R.C.Anderson · 14 Jul 2011 at 14:36

I was just wondering, as a lot of insurance policies include water damage, have anyone been able to actually use this to get a payout if a WC system leaks? As it is still water damage... And even if they wouldn't normally cover it, it wouldn't actually be any different to if you spilt a drink or something on it.

Was just wondering, as I'm considering going WC, and it would be nice to know I have some form of cover if something goes wrong

ZedPowered · 14 Jul 2011 at 15:10

would be covered under accidential damage clause, assuming its not during cleaning/maintaining the system as there are generally exclusions due to damage caused by cleaning/maintenance. Where i used to work we paid out on a claim for a wc system that leaked.

R.C.Anderson · 14 Jul 2011 at 15:22

Nice to know that. I know all companies will be different, but atleast if some do, there will probably be more

ZedPowered · 14 Jul 2011 at 15:30

yup! it would probably be a pain to explain to someone who only knows the on button makes the computer turn on how it happened but there is no reason they should kick up a fuss if you have accidental damage cover!

paradisiac · 14 Jul 2011 at 15:32

what sort of hassel is it to make a claim? do you have to send the pc away for them to test? do you need to provide reciepts for everything also?

ZedPowered · 14 Jul 2011 at 15:45

depends on the insurer, most would want it inspected, some of the more picky ones also want proof of purchase.

R.C.Anderson · 14 Jul 2011 at 16:28

Well the people I've got insurance with is purely for my PC (rather than home contents etc) and to insure anything, they need the receipts before I start the policy (I can add stuff later on as well though) I'm guessing they'll need to inspect items if they are to be claimed under accidental damage, but obviously they couldn't if it's a claim for it being stolen

paradisiac · 14 Jul 2011 at 16:32

R.C.Anderson said:
Well the people I've got insurance with is purely for my PC (rather than home contents etc) and to insure anything, they need the receipts before I start the policy (I can add stuff later on as well though) I'm guessing they'll need to inspect items if they are to be claimed under accidental damage, but obviously they couldn't if it's a claim for it being stolen

spose that makes sense. i just wouldnt want to have my pc taken away for god knows how long, to be valued by someone that probably has little knowledge of what parts are worth, and not be treated nicely.

hyperst · 15 Jul 2011 at 16:18

paradisiac said:
spose that makes sense. i just wouldnt want to have my pc taken away for god knows how long, to be valued by someone that probably has little knowledge of what parts are worth, and not be treated nicely.

but if it is damaged anyway,,,,,,

jorzeh · 16 Jul 2011 at 18:25

My house insurance from Direct line wouldn't replace my laptop after it set onfire when my house was struck by lightning it was a £3000 rock direct SLI gaming laptop, In the end they offered me £400 laptop of a 10th the spec, Still ongoing with them now and it's been 18 months.

They will most likely want to send it to their Computer department, Which is full of slack jawed retards that don't actually know anything at all.

Good luck

Surveyor · 18 Jul 2011 at 07:16

jorzeh said:
My house insurance from Direct line wouldn't replace my laptop after it set onfire when my house was struck by lightning it was a £3000 rock direct SLI gaming laptop, In the end they offered me £400 laptop of a 10th the spec, Still ongoing with them now and it's been 18 months.

They will most likely want to send it to their Computer department, Which is full of slack jawed retards that don't actually know anything at all.

Good luck

Did you have the laptop specified in the policy?

All household insurance I've ever had required items above a certain value to be specifically listed.

Captain Chaos · 18 Jul 2011 at 07:58

jorzeh said:
My house insurance from Direct line wouldn't replace my laptop after it set onfire when my house was struck by lightning it was a £3000 rock direct SLI gaming laptop, In the end they offered me £400 laptop of a 10th the spec, Still ongoing with them now and it's been 18 months.

They will most likely want to send it to their Computer department, Which is full of slack jawed retards that don't actually know anything at all.

Good luck

I didnt think insurance covered lightning strikes?

kristmace · 18 Jul 2011 at 08:14

colthillary said:
I didnt think insurance covered lightning strikes?

They should do.

There's a guy in the Apple Hardware section that lost just about everything after a recent lightning strike and the insurance company have paid out over £10,000 to him.

http://forums.overclockers.co.uk/showthread.php?t=18291883

jorzeh · 18 Jul 2011 at 14:38

Yes to both questions, The insurance covered everything according to the policy of any vaule, It was their very top package, I'm sure it'll get resolved, Just fusrating for me.