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Unfortunate red wine - MacBook interface this evening. The screen seemed to instantly sponge up the wine and is goosed.
I've been through the household insure docs. We are covered for accidental damage for items up to £1500 (more if listed separately) MacBook is £1300 so that is fine. I cannot find any obvious exclusions so seems to be covered. Are there any other likely exclusions I need to look out for before putting in a claim? I cannot afford to fix it myself so need to claim but I know, from bitter experience, that insurers will try to wiggle out of anything they can.
Happened to my mum 11 years ago as she used my black macbook at her kitchen table, she knocked a wine glass over, it poured into my macbook through the keypad and it went "pop" and switched off, her insurers (think it was aviva?) paid out within a week no questions asked apart from "what happened? and what replacement?, she had never made an insurance claim in her life so perhaps that's why they paid out so quick, 11 years later i'm still using the replacement as my only computer which is a 2008 13" aluminium macbook 2.4ghz/8gb ram, only thing i've upgraded was the hard drive to a 1tb ssd.
Just be honest and upfront with them, if you're covered up to £1500 then it should be fine.
Thanks for that. I appreciate honesty is best, I am just keen to avoid any obvious exemptions.
Update - Esure were great, easy claim process and they paid out same day using Currys vouchers. Interestingly they actually gave me too much money, they forgot to deduct the excess. Honesty got the better of me and I told them rather than have them chasing me for it later on.
£200 excess but Curry were offering £200 trade in on old laptops. I had an awful windows laptop that I bought from Currys a few year ago for about £175, it really was terrible. Anyway, they took it as trade in! I therefore managed to upgrade to a 2019 MacBook Air for only £89. Jobs a good'un. Just need to see what sort of hit I take on insurance premium next year.
PS, in an online world I often forget about merit of store shopping. The guys in Currys were awesome. They spent about 1 hour getting my old Windows laptop working again so they could accept it as trade-in. They reinstalled windows from scratch. Top work.
I'll also advise not giving coffee to your MacBook as well.
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NFU Mutual were pretty good with my daughter's laptop (and subsequently John Lewis Care with a damaged iPhone). There was a bit of to-ing and fro-ing to try and fix it, it wasn't helped by a three-way conversation with me (as policy holder) her (as person with a damaged item) and the third party repairer, with insurance agent in the middle. But like-for-like item shipped out.