Warrenty Cover

[ali_kat]

I bought my laptop in 2005, from Comet. With it, I bought their Total Product Cover, which expires in 2010 - for once I did right, I think......

Today, I have managed to drop a pint glass of coke on it, the glass slipped and smashed on the table and it has gone boom. It has gone all over the keyboard and inside it through the 'fan holes' at the back and underneath I'm just pleased that it was running on the battery at the time

The policy certificate states :-

Breakdown - we will pay the cost of repairing, or is a repair is uneconomical, replacing the insured product - even if the breakdown occurs as a result of accidental damage.

What is not covered :-
This policy does not cover breakdown or accidental damage due to
neglet, wilful abuse or misuse.


Of course, they are closed.

Luckily, everything is backed up onto the server

So, what is the betting folks, will they replace it? Or will I have to go through my Home Contents insurance?

[stemll]

Nope 'cos it's accidental damage.

Home contents is the way to go provided you have accidental damage cover. If not....

[sgrimshaw]

Stick to your guns, you paid for the cover and the incident is clearly covered by the Total Product Cover scheme.

Their FAQ imply that you should have this cover, even if you have accidental cover on your home insurance, as claiming on that policy might lead to increased premiums.

However, I did see that they exclude ANY business use of the product, good job you only use it for home use ;-)

[sgrimshaw]

stemll said:

Nope 'cos it's accidental damage.

Home contents is the way to go provided you have accidental damage cover. If not....

Yep 'cos it's accidental damage.

Read the scheme details here:

http://www.comet.co.uk/comet/ev2/content/services/...

more detail here :

http://www.comet.co.uk/comet/ev2/content/services/...

[ali_kat]

Of course it is only for home use!!!

I'll ring them in the morning then - if they say no, I'll ring my Contents people, would prefer to not claim on my Home insurance tho (although it is covered on that )

[ali_kat]

sgrimshaw said:

stemll said:

Nope 'cos it's accidental damage.

Home contents is the way to go provided you have accidental damage cover. If not....

Yep 'cos it's accidental damage.

Read the scheme details here:

http://www.comet.co.uk/comet/ev2/content/services/...

more detail here :

http://www.comet.co.uk/comet/ev2/content/services/...

Funnily enough, my policy is with a different company to the one featured there - and has less clauses

[stemll]

sgrimshaw said:

stemll said:

Nope 'cos it's accidental damage.

Home contents is the way to go provided you have accidental damage cover. If not....

Yep 'cos it's accidental damage.

Read the scheme details here:

http://www.comet.co.uk/comet/ev2/content/services/...

more detail here :

http://www.comet.co.uk/comet/ev2/content/services/...

Didn't bother looking for the policy, the OP quoted a section that excludes accidental damage due to neglect. I'd say that Comet will claim pouring Coke over it comes into that category. Costs nothing to ask them though.

[ali_kat]

I didn't pour it over, I dropped a glass!

How is that neglect?

[sgrimshaw]

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

It isn't, it's accidental damage.

[ali_kat]

Yep, that's my theory too

But Stemll thinks it's neglect, in fact, he inferred I'd poured coke on it

I'm sure that Comet will try it on tho

[sgrimshaw]

Stand your ground, you should be fine.

If not, threaten to take the case to Which / FSA etc - works wonders.

[plasticpig]

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

You willfully bought a glass of coke near to the the laptop. You knew coke and electronics dont mix.
If you read the manual which came with the laptop I can almost gurantee somwhere it will say something like "keep liquids away from your computer as spills may damge it". You neglected to follow the instructions.

[ali_kat]

sgrimshaw said:

Stand your ground, you should be fine.

If not, threaten to take the case to Which / FSA etc - works wonders.

Cheers

[ali_kat]

plasticpig said:

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

You willfully bought a glass of coke near to the the laptop. You knew coke and electronics dont mix.
If you read the manual which came with the laptop I can almost gurantee somwhere it will say something like "keep liquids away from your computer as spills may damge it". You neglected to follow the instructions.

You're good Are you in insurance?

[plasticpig]

ali_kat said:

plasticpig said:

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

You willfully bought a glass of coke near to the the laptop. You knew coke and electronics dont mix.
If you read the manual which came with the laptop I can almost gurantee somwhere it will say something like "keep liquids away from your computer as spills may damge it". You neglected to follow the instructions.

You're good Are you in insurance?

No. I sell laptops amongst other things.

[sgrimshaw]

plasticpig said:

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

You willfully bought a glass of coke near to the the laptop. You knew coke and electronics dont mix.
If you read the manual which came with the laptop I can almost gurantee somwhere it will say something like "keep liquids away from your computer as spills may damge it". You neglected to follow the instructions.

The OP wasn't planning on introducing the Coke to the Electronics. The action that resulting in the two meeting was unintentional, it was an accident.

Had the unplanned incident not occurred then the two would never had met.

Following your logic, there is no such thing as accidental damage as you should always take the necessary precaution such that there can be no accident.

[ali_kat]

plasticpig said:

ali_kat said:

plasticpig said:

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

You willfully bought a glass of coke near to the the laptop. You knew coke and electronics dont mix.
If you read the manual which came with the laptop I can almost gurantee somwhere it will say something like "keep liquids away from your computer as spills may damge it". You neglected to follow the instructions.

You're good Are you in insurance?

No. I sell laptops amongst other things.

Oooh, do you work for Comet?

[ali_kat]

sgrimshaw said:

plasticpig said:

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

You willfully bought a glass of coke near to the the laptop. You knew coke and electronics dont mix.
If you read the manual which came with the laptop I can almost gurantee somwhere it will say something like "keep liquids away from your computer as spills may damge it". You neglected to follow the instructions.

The OP wasn't planning on introducing the Coke to the Electronics. The action that resulting in the two meeting was unintentional, it was an accident.

Had the unplanned incident not occurred then the two would never had met.

Following your logic, there is no such thing as accidental damage as you should always take the necessary precaution such that there can be no accident.

[plasticpig]

sgrimshaw said:

plasticpig said:

ali_kat said:

I didn't pour it over, I dropped a glass!

How is that neglect?

You willfully bought a glass of coke near to the the laptop. You knew coke and electronics dont mix.
If you read the manual which came with the laptop I can almost gurantee somwhere it will say something like "keep liquids away from your computer as spills may damge it". You neglected to follow the instructions.

The OP wasn't planning on introducing the Coke to the Electronics. The action that resulting in the two meeting was unintentional, it was an accident.

Had the unplanned incident not occurred then the two would never had met.

Following your logic, there is no such thing as accidental damage as you should always take the necessary precaution such that there can be no accident.

I was being facetious... The vast majority of accidents have an element of negligence.

[ali_kat]

Well, Comet won't play ball with me

But more because they didn't collect all the premium payments , than a who is at fault dispute

Evidently they collected 3 of 4 payments, yet the policy says 3 payments, and they don't chase you, just lapse the policy - I wonder how many others have been caught out like that?

Still, it can be claimed on my Home insurance and they have got someone getting in touch with me in the next 2 days. They asked if I thought it could be repaired and I said not a chance - it went bang usually not a good sign that