Resolved Question

House insurance claim?

My niece accidentally spilt a drink over my computer yesterday and i called up my household insurance people im with my bank HSBC for cover. They said they would do it and get back to me in the next few days. Im just wondering how it works as ive never claimed do they come out to see the item or do i need to send it away or anything? what happens next

Best Answer - Chosen by Voters

Assuming you have Accidental Damage cover Insurers can, at their own option, decide whether to repair, replace or pay cash to indemnify you for your loss.

If you do not have Accidental Damage cover on contents then, sorry, it's not covered.

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Other Answers (4)

• that really depends on your insurance co.
  
  if you can get another computer for say $500 then it's never smart to file a claim for something that low in cost.
  also bear in mind you have to pay the deductible, so again that depends on the policy, if the deductible is high like a grand,
  you have to pay that before they pay the difference.
  a lot of companies take that as a clue to increase your premiums and in some companies you are only allowed so many small claims
  
  you need to ask some questions from you agent before you go any further.

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• some companys have things in place like where i worked... all claims over £500 got a visit, under were done over the phone.
  if the computer is old and you have a new for old replacement policy they will replace with a new "entry level" modal which should be an improvement but they will try to fob you off with a lower cash settlement giving you guff about the value, stick to your gaurd, if all fails then take it to the FSA then FOS, it costs the insurance company more to deal with FOS than it would for your claim and you will 99% be paid out

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• yes, they probably will need to see the computer,
  as nowadays insurance companies are thorough
  
  I made a claim relating to damaged flooring after my washing machine flooded me twice
  
  The insurance assessor visited, gruelled me, asked many questions, then took photos of the damage
  Then I'd two wait for weeks for an answer,as to whether they were going to accept my claim
  Then I had to provide 2 quotes for replacement
  
  So, don't expect it to be easy, as they are so conscious of fraud nowadays.
  Maybe you'll get on better than I did, because I changed my insurer after that, as I was so disgusted with their attitude

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• They will probably need to inspect the computer to confirm the damage and because most Insurers would check to see if a repair is possible. They may ask you to get quotes for repair or ask an approved repairer or restoration company to take a look at it.

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