Insurance claim on old gaming rig .. What will they give me?

Grant290186

Grant290186

Grant290186

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Alright guys and gals.

So I kinda knocked a can of beer down the back of my old gaming rig last night (7 Years old roughly) and have contacted the insurance company today.

They are sending an inspector out to strip it out and find out what parts are in there.

The build is as follows :

ASUS AI Lifestyle P5E Deluxe
Intel core duo quad core 2.4ghz Q6600
X2 ATI Radeon HD4850 in crossfire
4GB Ram
750w Modular PSU
120GB Samsund SSD.

So the guy on the phone has said they will likely check it out and offer me the modern day equivalent of my old build or the monetary value if I'm not happy with what they offer me.

I guess my question is what is the modern day equivalent of my above build so I know what to expect when they offer it me.

Thanks in advance
 
surely the modern day equivalent is not £150.

say the hd4850 was £200 card when it was bought they will offer a £200 card from todays market? isnt that what modern equivalent means?
 
Modern day equivalent means something comparable NOW performance or features wise.

There's no chance you'd get £200 for a 7 year old graphics card just because it was £200 when you bought it. That aside, 4850s weren't £200 when they were new. They were about £120-140.
 
spoffle said:
Modern day equivalent means something comparable NOW performance or features wise.

There's no chance you'd get £200 for a 7 year old graphics card just because it was £200 when you bought it. That aside, 4850s weren't £200 when they were new. They were about £120-140.
Click to expand...

The post above was using the price etc as an example, that aside there is no way an insurance company would offer £150

I think the chap wants to know if someone can maybe spec him a computer in today's hardware the equivalent of what this machine is/was.:)
 
Iron-man said:
The post above was using the price etc as an example, that aside there is no way an insurance company would offer £150

I think the chap wants to know if someone can maybe spec him a computer in today's hardware the equivalent of what this machine is/was.:)
Click to expand...

That's what I'm saying, the equivalent hardware in what's available today. This won't be AMD's second from the top tier GPU like the 4850 was. It'll be whatever current GPU offers closest to 4850 performance, but not below.

Maybe £150 was a bit low, but I can't see him getting more than the value of a £200 PC.

Plus, the chances of literally everything being trashed and unusable is quite slim.
 
Modern equivalent is a low end AMD and a GTX750ti.

As Spoffle's said there probably won't be damage to everything and it may even end up coming in under the excess.

Plus I'm amazed they're even considering it when alcohol's involved - it's usually a straight decline :D
 
Is this an accidental damage claim on insurance?
Given the excess is likely to be say £150/£200, would it not be cheaper to replace what has been damaged by the liquid?
Are you willing to take it apart and diagnose yourself?

What actually happened when you spilt the drink? Is it possible it only damaged say the PSU?
 
Yes it is an accidental damage claim and I have new for old cover. I spilt the drink and i turned it off strait away. I was using it at the time. I stripped it and dried it and I have tried a new PSU in it today that I borrowed off my friend and it still wouldn't boot. If they only offer me a small amount I will not continue the claim as the excess is £150. I'll just put that towards a new build. It's ready for an upgrade anyway just didn't fancy spending £800+ this side of Christmas.
 
Also "modern day equivalent".... I'd be reading the terms of your insurance to find out what that means. In this example, does it mean:

1. You get a replacement that provides performance as good as, if not better than your old machine.
2. You get a replacement that is similar in value to what your old one is worth today.
3: You get a replacement that is in line with where yours sat in the market when you bought it.

2 is not really possible, as you can't buy a full computer for what the old parts are worth today.

1 is possible. They might say that a modern day low spec machine provides the same power as your old (at the time high spec) one due to advances in technology.

3 is the best scenario but I'm not sure how that works with insurance and how an assessor determines what is fair and considered "like for like".
 
Thanks for the advise Jaybee, I am expecting a call from the assessor company tomorrow so time will tell. I will post on here when I find out what they decide to do. As of this point in time I have my fingers crossed, as stated above wrong side of Christmas to be spending on a new system but I am to impatient to wait, especially when fallout 4 was on my Christmas list to the man with the white beard
 
you can build your computer for upwards of 100, so you be lucky with 150, but all teh best with it..

just to add, i had 2 of those GPU's and i sold them to c*x for £8 total(cash trades) and they sell them for £10-£12 each, you be lucky to get 20 for dx10 card
 
I can't see it being worth it with an excess of £150.

Does making a claim hike your future home insurance premium like it does with car insurance?

You might be able to claim a bit more than the excess, but I doubt the aggro would be worth it.
 
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