Joined: 20 Aug 2004
Posts: 2074
Location: Aberdeen
laptop lost - insurance
hey folks,
left ma laptop on a frikking bus earlier and iv foned them up and nothings been handed in!
its insured so i can hopefully claim it back, but im jsut checking with u lot that if i left a laptop on a bus am i covered? how can they prove i did is what im reallya sking, cos surely they could jut say tough poo poo? what im meaning is should i say it was lost somewhere else, or is loss covering loss of anytype?
check your cover m8 i thinkyou will find it won't cover leaving it on a bus. What you could do is report it as a theft and say somebody lifted your bag on the bus you never noticed till you went to get off it was gone, police will give you a crime ref number which you give to insurance then they will honour the claim _________________ backups supplied are on the understanding that you own the original copy
You may have to go to the local police station and report it lost\stolen, they should then give you a incident report number which your Insurance may ask for.
TKD _________________
Any purchases made by me are on the grounds that I own the original, if not the backup will be destroyed within 24 hours.
Joined: 20 Aug 2004
Posts: 2074
Location: Aberdeen
quote:Originally posted by smithdumfries: check your cover m8 i thinkyou will find it won't cover leaving it on a bus. What you could do is report it as a theft and say somebody lifted your bag on the bus you never noticed till you went to get off it was gone, police will give you a crime ref number which you give to insurance then they will honour the claim
can they not check the camera in the buss and see my being stupid and just leaving it?
not all buses have cctv and if th bus you were on does then he ho they will seewho lifted it, being realistic though thieves can take the wallet or purse from your pocket and never be seen, they could have slipped it into a carrier bag etc and it would never be seen on any camera _________________ backups supplied are on the understanding that you own the original copy
Sorry to hear about your recent bad luck. Check your insurance to see if you have personal posessions all risk cover. If you have you're covered. I pay about £50 a year extra for about £2500 cover. You never know. As tkd101 said whatever happens firstly report to police.
Years ago i was out fishing and left an expensive pole leaning against the boot. Loaded everything onto roof rack and forgot about the pole until i got home. Was covered ok but needed the police ref (incase someone handed it in!!!)
Good luck m8 _________________ Any Purchases Made Are On The Grounds That The Original Is Already Owned, If Not The Backup Will Be Destroyed Within 24 hours.
Joined: 20 Aug 2004
Posts: 2074
Location: Aberdeen
so i could say i left it on a park bench and then call the police to see if any1s handed it in and ask for a ref aswell? _________________ Blackpool Club Casino Coupon Code
Joined: 20 Aug 2004
Posts: 2074
Location: Aberdeen
its not standard insurance, its only for my laptop, ill go check the details now, if i post the pdf could one of you lot make more sense of it than me lol? _________________ Blackpool Club Casino Coupon Code
Joined: 20 Aug 2004
Posts: 2074
Location: Aberdeen
ach im just reading on their site, theyd need proof of purchase, fook knows if i still have the receipt lol _________________ Blackpool Club Casino Coupon Code
Are you a student? I had this insurre. My bike WAS insured for outside and i serously struggled in a claim. I have also seen since, they seem very reluctant to pay out.
That looks like thier standard blurb to me. I had extra papers for certain items i listed and thier individual cover.
Your not covered for leaving on a bus mate. The only way you will get it is by saying it was stolen while you was on the bus.
What is not covered
We will not pay:-
a) the equivalent of the first 10% of the cost of each and every claim
subject to a minimum amount of £25 and a maximum amount of
£150
b) for any property not belonging to You or for which You are not
legally liable
c) theft from a parked motor vehicle, except as described in “Section 1 -
Cover for Your Contents - What is covered - Theft or attempted theft
part (b) – Theft during transit at the beginning and end of a College
Term”
d) loss of or damage to Your Contents if left Unattended at any time in a
place which has public access
e) for any of the following:
• Loss of or damage to sports equipment or sports clothing whilst in
the course of play or use
• Breakage of skins and strings or scratching, bruising or denting of
musical instruments
• Breakage of glass (other than lenses) or article of a brittle nature
(other than jewellery), scratching or denting
• Damage to guns by internal explosion
• Money
• Loss or damage to any item not defined as Contents
f) any claim for jewellery valued at £600 or more unless a receipt or
valuation can be provided for that item (see General Conditions 5.
Evidence of Value page 10)
g) Pedal Cycles and their accessories
h) Contact lenses or dentures
i) Mobile Phones
j) Vehicles and Craft
section d is the bit that relates to it. _________________
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