Contents insurance question

Ag3ntwilson · 21 Jun 2019 at 23:10

Good evening,
I am curious , I have a insurance policy ( with Co Op, covering the contents of my house. I
have held the same policy now for 3 years .

I have a computer which has 3 seperate hard drives inside which has my course work and my personal data ,
Should I ever need to claim on my insurance,
am I expected to send my computer into the insurance company with the hard drives too ,
Or am I permitted to hold on to them , if not how do I go about my data being safe.

Steedie · 21 Jun 2019 at 23:20

If they want to inspect damage, then yes you will have to risk your sexual deviance being exposed with most insurers.

Space Monkey · 21 Jun 2019 at 23:27

Ag3ntwilson said:
Good evening,
I am curious , I have a insurance policy ( with Co Op, covering the contents of my house. I
have held the same policy now for 3 years .

I have a computer which has 3 seperate hard drives inside which has my course work and my personal data ,
Should I ever need to claim on my insurance,
am I expected to send my computer into the insurance company with the hard drives too ,
Or am I permitted to hold on to them , if not how do I go about my data being safe.

Couldn't you claim for the PC minus the drives and take them out, if you're not including them in the price of the claim then they are yours to keep?

Ag3ntwilson · 21 Jun 2019 at 23:31

Steedie said:
If they want to inspect damage, then yes you will have to risk your sexual deviance being exposed with most insurers.

‍

Ag3ntwilson · 21 Jun 2019 at 23:32

Space Monkey said:
Couldn't you claim for the PC minus the drives and take them out, if you're not including them in the price of the claim then they are yours to keep?

That's what I mean , could I not remove the drives then send it in , or am I opening a door to a declined claim?

Space Monkey · 21 Jun 2019 at 23:33

Ag3ntwilson said:
That's what I mean , could I not remove the drives then send it in , or am I opening a door to a declined claim?

Ask the insurance company in advance, also wouldn't you need to itemise the specs and cost, so just exclude the drives in that?

Ag3ntwilson · 21 Jun 2019 at 23:36

Space Monkey said:
Ask the insurance company in advance, also wouldn't you need to itemise the specs and cost, so just exclude the drives in that?

You'd be surprised of how much info they didn't actually want , I had a big description of my Rig ready to read out to them , but they were like , " that's too much information we only have a box to put a short description in ????
So I will probably just remove the 2 secondary drives then , they wouldn't know I guess

Space Monkey · 21 Jun 2019 at 23:38

Ag3ntwilson said:
You'd be surprised of how much info they didn't actually want , I had a big description of my Rig ready to read out to them , but they were like , " that's too much information we only have a box to put a short description in ????
So I will probably just remove the 2 secondary drives then , they wouldn't know I guess

If they don't ask then it's deemed not important enough to them (unless specifically mentioned in your policy documents) so I wouldn't worry, as long as you've not included the cost of the parts removed then I can't see any problems?

Ag3ntwilson · 21 Jun 2019 at 23:46

Space Monkey said:
If they don't ask then it's deemed not important enough to them (unless specifically mentioned in your policy documents) so I wouldn't worry, as long as you've not included the cost of the parts removed then I can't see any problems?

Thank you for your input , space money ,

Space Monkey · 21 Jun 2019 at 23:46

Ag3ntwilson said:
Thank you for your input , space money ,

I wish I did have Space Money