Thunder and lightning
Discussion
Very very frightening. Especially when a couple buildings, not very far from you get struck.
One house caught fire, everyone ok and we had an exciting evening watching it all.
However, the next day I discover that a LOT of our electrical gadgets are knackered.
It seems a power surge has knackered everything that was attached to the TV or wired network in the house.
The list is quite extensive... Annoyingly a lot of them still work but have broken HDMI ports or network ports. Rendering them useless.
1. How does an insurance claim on contents insurance work? Whats the process?
2. How do they value difficult items? 3yr old home built computer for example?
3. What proof of purchase do I need? If any? In the computer example... I will be trying to remember where I got the graphics card from, RAM from etc... A huge task, and in the end possibly fruitless... How do you value a 3-year-old gaming graphics card? I think I paid around £400 for it, I would still need around £400 to get a like for like.
Going to give the insurance company a call later today, but want to be armed with as much information about the process as possible.
Thanks in advance for any help.
One house caught fire, everyone ok and we had an exciting evening watching it all.
However, the next day I discover that a LOT of our electrical gadgets are knackered.
It seems a power surge has knackered everything that was attached to the TV or wired network in the house.
The list is quite extensive... Annoyingly a lot of them still work but have broken HDMI ports or network ports. Rendering them useless.
1. How does an insurance claim on contents insurance work? Whats the process?
2. How do they value difficult items? 3yr old home built computer for example?
3. What proof of purchase do I need? If any? In the computer example... I will be trying to remember where I got the graphics card from, RAM from etc... A huge task, and in the end possibly fruitless... How do you value a 3-year-old gaming graphics card? I think I paid around £400 for it, I would still need around £400 to get a like for like.
Going to give the insurance company a call later today, but want to be armed with as much information about the process as possible.
Thanks in advance for any help.
Had a word with them. I am covered and my excess is suitably small.
Their method of valuing items seems a little bit "ad-hock", so I guess we will wait and see what they come up with.
Example: Sonos sound system purchased for my wife for Christmas... I'm sure I can find the invoice... but the price of these has gone nuts since.. so I wouldn't be able to get another one for the same amount.
Their method of valuing items seems a little bit "ad-hock", so I guess we will wait and see what they come up with.
Example: Sonos sound system purchased for my wife for Christmas... I'm sure I can find the invoice... but the price of these has gone nuts since.. so I wouldn't be able to get another one for the same amount.
DanL said:
Prizam said:
Example: Sonos sound system purchased for my wife for Christmas... I'm sure I can find the invoice... but the price of these has gone nuts since.. so I wouldn't be able to get another one for the same amount.
Do you have new for old cover? If so, I'd assume they just look up the price of the same (or equivalent) model to the one you have. Is this not the case?
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