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 Posted: Sun Jan 18, 2009 11:35 pm Post subject: personal possesion insurance |
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churchill insurance...is my pc coverd under personal possesions for accidental damage
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Millsydt 1
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| Posted: Mon Jan 19, 2009 7:36 am Post subject: |
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Hi Millsydt, you may need to resubmit your query since it doesn't contain a problem. Have you suffered any damage with the PC? have you been denied a claim by Churchill Insurance? Sorry, but there isn't enough information in this post to offer any suggestions.
~Jeremy |
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JeremyHolter
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| Posted: Mon Jan 19, 2009 1:41 pm Post subject: |
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OP if you have a standard homeowners or renters policy your pc would be covered for CERTAIN PERILS only...please go into more details re: what you question is.
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Lori
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| Posted: Mon Jan 19, 2009 1:50 pm Post subject: |
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| what happend is im a student at university and early january i slipped on the ice fell and smashed the screen on my laptop which was in my bag what i want to know is this coverd under personal possesions if i have the receipet for the laptop too when i bought it... |
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Millsydt
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| Posted: Mon Jan 19, 2009 1:57 pm Post subject: |
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What policy are we talking about Mills, is it your parents homeowners? If so it would be a stretch to figure out an applicable peril to cover it under...I would certainly turn in the claim...Could be there is a rider or endorcment on the policy, or do you have a specific policy for the laptop? I don't know what you mean by | Quote: | | churchill insurance |
Is this maybe the agency? Also need your age and state, how old was the laptop did you purchase any sort of warranty or coverage when/where you bought the lap top?
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Mon Jan 19, 2009 4:11 pm Post subject: |
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Was your PC in your car when you had an accident?
Did you drop it?
Did the dog eat it?
How was it "accidentally" damaged?
Do you have a "fire" policy or a true "homeowners" policy, or a "renters" policy?
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InsuranceMaze
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| Posted: Mon Jan 19, 2009 9:02 pm Post subject: |
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| thank you for your responce basically i have contents and buildings cover with churchill including personel possesions away from the house my son fell and damaged our laptop i am concerned if i ring churchill and say the wrong thing they will refuse any claim |
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Millsydt
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| Posted: Tue Jan 20, 2009 8:31 am Post subject: |
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Hi Mill, why would you lie to the insurance company about the cause of the damage? The insurance company would definitely investigate into the matter before they entertain the claim. And, if they find out the lie they would definitely deny the claim
What is the actual reason of the damage? your son damaged it or you damaged it in an accident? or is it something else?
Mill, honesty is always the best policy, especially when dealing with insurance claims. You may need to read the policy paper to know about the coverage available to you. |
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jeorge
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| Posted: Wed Jan 21, 2009 10:29 am Post subject: |
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HI All, Mill has left the following information in my home page. I'm posting it here so that she gets your feedback as well...
| Quote: | | thank you for your responce basically i have contents and buildings cover with churchill including personel possesions away from the house my son fell and damaged our laptop i am concerned if i ring churchill and say the wrong thing they will refuse any claim |
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JeremyHolter
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| Posted: Wed Jan 21, 2009 10:32 am Post subject: |
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Mill, please go through your policy document once more, definitely it would cover the belongings in the household premises as well with the coverage extended to away from home.
Please, turn the claim to the insurer and don't lie about the cause. Hope everything would go just fine.
~Jeremy |
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JeremyHolter
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| Posted: Thu Jan 22, 2009 9:54 am Post subject: |
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Hi Millsydt
Whatever be the case, do not lie to your insurance company about how your laptop got damaged because they will find out if you are lying. Now about whether your contents insurance will cover or not, this you really need to find out from your insurance policy documents.
Sometimes insurance companies do cover laptops under your general contents insurance. Some companies do make you specify anything you own over a specific value. There are again policies that do not cover accidental damages or even if they do they may charge extra. The best way would be to find out from your policy docs. Take a look and then if you till have a question do ask our experts.
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sil
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| Posted: Fri Jan 23, 2009 8:27 pm Post subject: |
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I have no intention of defrauding or lieing to the insurance company iam just concerned if i telephone the insurance company i will say the wrong thing and they will dismiss the claim...i.e i slipped and fell damaging my laptop i wish to claim on personal possesions away from the home please find enclosed a copy of policy details
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Millsydt
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| Posted: Sat Jan 24, 2009 12:38 pm Post subject: |
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we need to see the ''summary of exclusions and limits' also is there anywhere in your policy (under the pp section) that says something about 'perils'....send us the above requested and we'll see from this is sounds like it covers any ''accident'' but i can't imagine the exclusions not taking ''some'' accidents away..
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Lori
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