so my home insurance called with an offer to replace my pc..

Jamie1984

Jamie1984

Jamie1984

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20 Oct 2005
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Location
Newcastle Upon Tyne
ok not gonna go into the specifics but after making a claim on my parents house insurance for a broken pc the firm dealing with our claim got back to my mother while i was out saying the pc aint economical to repair. So from what i gather from her relaying their phonecall to her they are gonna offer me something of similar specification. So anyone had any experience with legal and general and their contractor 'the source'? they are gonna get back tomorrow and the thing im fearing is being offered some 'where in the world' jobby complete with printer, scanner and integrated graphics lol

If anything Id like to get a credit note to rebuy a system from ocuk as before the accident with my pc I was pretty pleased with the OCuk price and service, but not sure what my options are...

so... legal and general, any good with paying out for home insurance claims?
 
depending on what you had - its more than likely you will get a bog standard replacement entry level pc....

but it depends what they considered of the pc you had previously....
 
They'll make you an offer then you can start negotiating.
You don't have to simply accept whatever they offer you.
 
I had a PC claim with "The source"

They paid out for all custom parts... inc a £200 coolermaster case.

I just needed to provide 2 quotes for each part, ie gfx card, mobo etc
 
well the pc i bought in bits from ocuk and made myself, costing £874 total (in late october 2005), with a £50 excess... so can i insist to use ocuk to replace as the purpose of the replacement is for gaming and ocuk is about the cheapest around?
 
You will have to provide 2 quotes for each part.... you choose the two places ;)

They then send a chq for the amount, it's up to you where you spend it.


You can also buy back your "salvage" for £50 ;)

Oh and it's TODAY's prices, for the same parts or equivalent if they stopped making it, ie a 10x drive might be replaced with a 20x drive today.
 
CocoPops said:
You will have to provide 2 quotes for each part.... you choose the two places ;)

They then send a chq for the amount, it's up to you where you spend it.


You can also buy back your "salvage" for £50 ;)
Click to expand...
but whos to say someone at the source decides to make my pc a box of electronic crumbs? hehe

ah dont mind providing quotes :D cool if i get that option
 
We used to do work for legal and general. Used to match the spec you had, generally it used to be a new mobo, processor or ram and the insurance company would write it off. If they offer you a PC check the spec and see what can be salvaged from your old machine.
 
VIRII said:
They'll make you an offer then you can start negotiating.
You don't have to simply accept whatever they offer you.
Click to expand...
Exactly right.

Though you have to bear in mind the level of coverage your policy had, there've been several occasions where I've refused the offer the insurance company made first. For instance, after a car was broken into and the stereo was nicked, they tried to tell me what head unit they were going to supply as a replacement, and who was fitting it.

I told them that they were NOT fitting a unit with green illumination in a car where all other dash instrumentation was red, and the bloke in a mobile van they wanted to use wasn't touching my car under any circimstances. I had cover of new for old, and expected the insurance to leave me no better off, but no worse off, than I had been before the theft. The installation was a specialist job done by a specialist firm, and some bloke in a van wasn't acceptable. The repair was being done by the firm that installed the system in the first place, because if I was prepared to pay for it in the first place, they could pay for it now.

I got my choice of head unit, and the original speciualist fitting company did the work.

Some insurance companies are pretty good. Others try it on. A major step forward is to realise, just as VIRII said, that you don't have toaccept whatever they offer. If it isn't acceptable, and you have genuine and reasonable grounds for rejecting it, do so. But also be aware that the insurers won't just cave in to whatever you want. Your reasons do have to be genuine.

In your situation, Jamie, if the spec of the offered PC isn't acceptable, for valid reason, be prepared to calmly explain why it isn't, and be prepared to insist on getting like for like, even if you have to fight for it.
 
Jamie1984 said:
ok not gonna go into the specifics but after making a claim on my parents house insurance for a broken pc the firm dealing with our claim got back to my mother while i was out saying the pc aint economical to repair. So from what i gather from her relaying their phonecall to her they are gonna offer me something of similar specification. So anyone had any experience with legal and general and their contractor 'the source'? they are gonna get back tomorrow and the thing im fearing is being offered some 'where in the world' jobby complete with printer, scanner and integrated graphics lol

If anything Id like to get a credit note to rebuy a system from ocuk as before the accident with my pc I was pretty pleased with the OCuk price and service, but not sure what my options are...

so... legal and general, any good with paying out for home insurance claims?
Click to expand...

I don't think they'll give you the PC, I think they'll tell you an ammount, then you go buy the PC then they give you the exacty money that they specified, that's what happened when my Mum & Dad claimed something on insurance I think
 
I dealt with the source too for a laptop replacement, very good very efficient.

I just built my ideal spec on-line laptop using the app on a competitor's website, printed it out, faxed it to them, and they did the rest.

R

Mehul
 
ok well the replies so far are encouraging, they are gonna ring within the next few hours and ill try apply whats been said here. thanks for the replies guys :)
 
Quick tip - they may offer you a laptop - but dont take their first offer - find out what their allocated budget is - and then find your own laptop, from any supplier, and they can order from that same supplier to get you the best deal.

R

Mehul
 
CocoPops said:
I had a PC claim with "The source"

They paid out for all custom parts... inc a £200 coolermaster case.

I just needed to provide 2 quotes for each part, ie gfx card, mobo etc
Click to expand...

I got refered to "The Source" they let me claim for my 4 year old Dell Inspiron 4000, I confused the girl on the phone a little bit - In the end I got a A64 3200+, 2 GB of Ram, 60GB hdd etc etc for only £50! Bargain!
 
ok so the lady phoned back and said they'd made a mistake yesterday, the pc is worth repairing it only needs...

CPU
Mobo
Gfx
dvd combi
case

thats most of my bloody pc! kinda gutted really :(
just waiting for another call for me to say whether im happy with what they're speccing me. but im not happy at the thought of them taking random 'same part' and putting it together as im kinda picky with my brands.
 
Now get this .......


I used to work for "The Source"
For 3 years no less (Shame on me)


I had loads of different titles from inspection engineer through to laptop engineer and eventually Tech Support. If any of those above who said they had to go through the source were put through to tech support you may have had the pleasure of dealing with me :D


The engineer who inspected your machine will have taken down the specifics of your system and entered them onto a databse. Including details of specialist bits like your fancy graphics cards etc..

They will then see if any parts are salvageable if they are they will tell you the machine will be repaired. All they need to repair a machine is one or two working parts from your old machine i.e. two cd drives.

To repair machines they use whichever supplier has the same part or the current equivelant.... suppliers include OCUK ;)
They do sometimes make mistakes on obscure bits of kit but you usually get a better machine back than you sent in.


If there gonna replace the whole unit they will more than likely try to fob you off with some naff Acer machine.... dont take it whatever you do lol

Alternatively they they may have to get the machine custom built by the inhouse engineers if there was a lot of fancy stuff in your pc. In this case you would get a really nice machine back with parts more than likely sourced from OCUK :)

Getting a Cash Settlement is entirely up to your insurance company the source have no say in it, all they do is provide report to the ins co.



Can I ask who youve been dealing with ?
Is it the Walsall or Harlow office ?
Any names would be useful, just to see whos working there still.


Im not gonna be able to read replies to this thread until sunday night but will check back at some point if you have any questions or need insider info :D
 
its at the walsall office and im dealing with someone. well insider info may be a bit late as shes only got 40mins left to call back...if its gonna be a faff on i guess ill let them repair it but i know if i get to buy the bits myself ill get better value for money :S

edit: basically the way things are now my expensive athy 400 i could replace with an opteron for less cost and better value for money aswell as switching out the 7800gt for an ati 1800 256mb, just wanted to be clear
 
I made a claim on my insurance about 8 months ago and told them that I would not accept a pre built machine as mine was custom built. To cut a long story short I ordered all of my parts from here, sent the insurance company the receipt and they paid up :D Tah dah :D The thing was, with the money that they sent me to replace my old machine I could have bought and built another two pc's :D So I now have a rig that will last me a wee while now and I'm more than happy :D
 
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