Is your PC properly insured?

BubbySoup · 14 Aug 2006 at 16:31

Looking through my home contents insurance the other day, I just happened to notice that they only cover a PC up to a maximum of £1500 which includes the monitor. Anything over this requires you to phone them and arrange special (read expensive) insurance cover just for that item. I'm not too bothered regards accidental damage, as it is very unlikely the entire PC & screen would need replacing due to damage, but theft is another matter and I would be very much out of pocket.

So, question is, how many of you have special cover just for your PC's?

gary996 · 14 Aug 2006 at 16:35

my old insurance policy use to be named items were valued to £3000 and it did not cost anymore to do this

slap ed · 14 Aug 2006 at 17:11

thats a good point over the last year i have spent a lot off money on mine ,no idea on value (subjective i know ) but maybe worth looking in too

GhostRider · 14 Aug 2006 at 17:55

Mines not covered at all, can't afford it.

It not likley to get stolen any way ... i'm always on it

Fatfish · 14 Aug 2006 at 18:01

Mine's not covered.......coz I haven't got any! Silly really for what it costs. Need to get it sorted though.

Trifid · 14 Aug 2006 at 18:09

Is this per PC or over every single computer item in the house? If so it is well short of that.

kinggost · 14 Aug 2006 at 20:00

mine worth 4k got to get it done

MattJones2k6 · 14 Aug 2006 at 20:10

GhostRider said:
Mines not covered at all, can't afford it.

It not likley to get stolen any way ... i'm always on it

Too true.

Corasik · 14 Aug 2006 at 20:30

My insurance policy just asked me to notify them if there were any individual items over 3k. My home theatre system's worth more than that, but I can break it down into separate power amps etc, so only the Tag processor is even close to the 3k mark.

I would certainly argue that my Dell 2407's were not 'part' of the computer, and should be considered separate items in the event of theft. Even so if they limited me to 3k, including screen, I dont think it would be a massive problem.

Lanz · 14 Aug 2006 at 22:26

I have an old laptop here, if i tipped coffee over it, reckon i'd be able to get a new one? Ive been paying insurance for various things for so many years without a claim. Must be thousands of quid.... I want a new lappy

Darkwave · 14 Aug 2006 at 22:30

Our contents insurance covers the value of this PC, and it covered two PCs that got simultaneously blown up by lightning a few years back.

Biohazard · 14 Aug 2006 at 22:43

Lanz said:
I have an old laptop here, if i tipped coffee over it, reckon i'd be able to get a new one? Ive been paying insurance for various things for so many years without a claim. Must be thousands of quid.... I want a new lappy

that would be illegal my son

Darkwave · 14 Aug 2006 at 22:46

Biohazard said:
that would be illegal my son

Aye, even if he was going to do it, telling everyone about it first isn't a very clever idea. :rolleyes:

Biohazard · 14 Aug 2006 at 22:51

plus they try to repair stuff like laptops before they send something new

Hades · 14 Aug 2006 at 23:14

Something to ask the insurance man: if you build a PC yourself then is it considered a single PC or a collection of parts. If it's stolen then do they replace the parts individually or just replace with a pre-built machine?

Biohazard · 14 Aug 2006 at 23:26

Hades said:
Something to ask the insurance man: if you build a PC yourself then is it considered a single PC or a collection of parts. If it's stolen then do they replace the parts individually or just replace with a pre-built machine?

pre built I'd think tbh

Darkwave · 14 Aug 2006 at 23:48

Hades said:
Something to ask the insurance man: if you build a PC yourself then is it considered a single PC or a collection of parts. If it's stolen then do they replace the parts individually or just replace with a pre-built machine?

When my two PCs fried in an incident with lightning, they just gave us money to cover the cost of the systems as a sum of the total worth of all the components in them.

duncsharp · 15 Aug 2006 at 18:57

i got contents insurance just for my new dell xps m1710 laptop

im paying £16 a month which includes accidental cover for my laptop anywhere (even abroad) upto 2100

it also includes my pc at home valued at 2k

i dotn live in an area that would be too likely to get my laptop / pc stolen but i think there is a chance that i spillt something / knocked somthing over by accident - especially with the laptop!!!