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516 posts

Ultimate Geek

#197901 17-Jun-2016 09:49

Hi All,


So my laptop fell of the kitchen bench top on to the tile flors and its broken.


The laptop works but the back is cracked and the screen doesn't open very well. I was thinking to claim this on contents insurance.


Has anybody gotten experience with claiming? I have been paying contents insurance for over 10 years and never claimed once.


Just thinking is it worth doing not sure the increase in payment. Or should I just use that insurance for example my house gets robbed etc.



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2062 posts

Uber Geek

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  #1575532 17-Jun-2016 10:03
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It's a genuine accident, and is the reason why you pay for insurance. it's not just about robbery or theft - it's more likely in life to have a 'sh*t happens' moment.




Call, claim and see what happens. Your experience may vary in terms of how well your insurer manages you, but this is a small amount and not worth them arguing over or pissing you off over.





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16513 posts

Uber Geek


  #1575534 17-Jun-2016 10:04
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Consider your no claims bonus for the next few years. If you lose that it could cost you more than just paying for a new laptop. Some places give you a "no claims bonus for life" so may not be relevant.


I've made an occasional claim with State and found them helpful and easy to deal with.


Dangerous Chocolate
181 posts

Master Geek

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  #1575535 17-Jun-2016 10:05
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Might pay to just check how much a repair will cost first, as it may not be worth claiming if your excess is higher or close to the repair cost .

917 posts

Ultimate Geek


  #1575544 17-Jun-2016 10:32
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I know with my contents insurance the first claim each year does not effect the no claims bonus.


I'd call and ask questions, you don't have to log a claim unless you want to.



5476 posts

Uber Geek

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  #1575549 17-Jun-2016 10:42
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I know with my contents insurance the first claim each year does not effect the no claims bonus.


I'd call and ask questions, you don't have to log a claim unless you want to.







And you can also withdraw the claim at any stage up to the point they pay out.

iPad Pro 11" + iPhone XS + 2degrees 4tw!


These comments are my own and do not represent the opinions of 2degrees.

741 posts

Ultimate Geek


  #1575551 17-Jun-2016 10:45
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I would definitely go ahead and claim. If you've been paying for 10 years with no claims, you should have the No Claims Bonus For Life, which means you're allowed one claim per claims year without affecting the No Claims Bonus.


I too find State extremely helpful and easy to deal with, they have always fixed stuff for me with a 48 hour turnaround, or maximum one week if the repair agent has had to order in parts from overseas.

226 posts

Master Geek

  #1575620 17-Jun-2016 11:14
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There is nothing wrong with claiming for an accident. Most likely they will get you to send your laptop to their preferred repairer to be assessed. If it can be fixed, they will do that, but if it can't be it will be replaced. If it is repaired you pay the repairer your excess and it will be returned repaired, good as new, if the repair is less than the excess then you don't have to claim.


If this is the first claim, there won't be a change to your no claims bonus, we are with State and they said the first claim won't affect your bonus, but from the second and subsequent claims will reduce your bonus by 10%. But it all resets when your policy is renewed.


We recently claimed on my wife's iPhone which ended up in a bucket of fence paint, it was deemed uneconomic to repair and have been through this all about 2 months ago.


1108 posts

Uber Geek

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  #1575623 17-Jun-2016 11:16
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I am with ANZ for contents insurance and they have something called "Excess Refund" - which means if your claim or repair is over the excess amount you don't have to pay excess. If it is below that amount (say $1000) then they will ask you to pay for it in full (even if it is $900 for repair). - FYI

417 posts

Ultimate Geek

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  #1575694 17-Jun-2016 12:31
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Had my daughter's MacBook replaced which had a fall and the screen cracked.


I am with Westpac for my home and contents, I was asked to get a quote for repairs.


The repair quote was about $900, and went back to the insurers Lumley for Westpac.


Was told to pick up a new MacBook from Noel Leeming and only paid my excess of $600 for this.





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