Resolved Question

House insurance for a laptop?

Could I make a claim for a laptop that suffered a short circuit?
I got it for £379.99 if that helps...

Additional Details

The warranty has just expired, but few people had recommended me to make a house insurance claim on it, as they assured it would be covered. But I'm not sure.

And the Laptop will not turn on at all. Regardless if battery is out and power cord kept in. There's a flashing green light on the AC brick though.
I think my motherboard is fried.

1 week ago

Best Answer - Chosen by Voters

Do you have contents accidental damage?

I don't think a short circuit covers accidental damage.

100% 1 Vote

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Other Answers (5)

• I claimed on our house insurance for a lap top that had a similar problem, it smelt funny when turned on and then wouldn't turn on at all, when i took it to PC World they said it would cost more to repair than replace and they said the house contents would cover it.
  I went out purchased a new lap top kept the receipt and then phoned the insurance company and said one of the kids had spilt orange juice on it and now it wont work, it was an accident that couldnt be helped so they agreed and paid out - minus the £60 excess on the insurance and they sent it straight to my bank 3 days later!
  They never even asked to see the receipt, if you just say youve had it looked at and they said it would cost more to fix and tell this all to the insurance company they will happily pay, unless you were trying to claim for a new lap top that cost a FORTUNE, as they tell you to buy like for like, so something of a similar price and has the same memory/functions as the last one, as i had to explain this as part of the questions. I got £400 back so i was happy, see what they say they are usually really helpful and remember this happens all the time so they are well used to it!
  Good luck!

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• ......."short circuit" is not a covered cause of loss.
  
  You can only make a claim if the reason the laptop is damaged is due to a "covered cause of loss".

  Source(s):

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• check you policy but I think it would not cover this sort of thing. I would check to see if it is in warranty first.
  
  Only thing I can suggest is to post what IS wrong with it and see if anybody knows how to fix it.

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• No. Mechanical (or electrical) breakdown is never covered under any personal property policy.

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• Drop it on the floor instead - accidentally of course

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