deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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I have quite a few valuable things that I take to Uni with me i.e. laptop, music player etc and couldn't afford to replace them if they went wrong.
Now, I value my laptop at £350 which is what it cost me, however, it's pretty outdated, I don't have the original receipt, so what would be the payout? The amount I paid for it, or the value now? Same applies for my Zen Vision:M, I paid £250 when they were first released, but is worth under £100 now.
Anyone students that have previously claimed etc, it would be a huge help 
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ed
Member
Registered: 10th Sep 03
User status: Offline
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So you're planning on committing insurance fraud?
The excess on items like this is pretty high though, you'll only get a few quid for those things.
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Calum
Member
Registered: 2nd Sep 06
Location: Edinburgh, City of Edinburgh
User status: Offline
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I use
http://www.cover4students.com/student_insurance/index.html
Got full money when my camera was damaged. £10 excess too. Think they are part of Endsleigh
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by ed
So you're planning on committing insurance fraud?
The excess on items like this is pretty high though, you'll only get a few quid for those things.
No I'm not  I go to Uni in Luton. I will be in Uni more so now as it's my 3rd year and will be walking around more.
Been looking on Endsleigh and the excess is about £50 for each item, which is less than a new laptop. Plus it's £49 as a yearly premium - I just want to know whether I'll payout £50 excess, they value my laptop so I'm only £50 up?
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Fonz
Premium Member
Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
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depends what policy you go for, i know of some are like for like but others are brand new for the items you mentioned above
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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quote:
Originally posted by Fonz
depends what policy you go for, i know of some are like for like but others are brand new for the items you mentioned above
Would that be 'new for old'?
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Fonz
Premium Member
Registered: 12th May 06
Location: Newbury, Berks
User status: Offline
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same thing, different wording. i'm sure i heard of Laptop insurance being like this. the relative cost of replacing a machine 12months or older is so small that its pointless having the insurance (like you say £50 policy) and no customer would want a policy that paid back the premium so is new for old
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Jez_B
Member
Registered: 8th Nov 06
Location: Towcester, Northants
User status: Offline
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quote:
Originally posted by complex_maze
I use
http://www.cover4students.com/student_insurance/index.html
Got full money when my camera was damaged. £10 excess too. Think they are part of Endsleigh
I use these too, they seem ok, and after reading the policy it sounds like they pay what it cost. or provide you with an item to the same value if its no longer on sale.
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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Hmmm.
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Dom
Member
Registered: 13th Sep 03
User status: Offline
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also looking for student insurance, but cover4students only cover up to £8k, i need twice that ideally  Been looking around but prices are stupid - like 200-500+ for the year 
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andy1868
Member
Registered: 22nd Jun 06
Location: Burscough, Lancashire
User status: Offline
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i was thinking of insuring myself against students too, they're a risky set of bastards 
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deano87
Member
Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
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