insurance claim

Discussion in 'MacBook Pro' started by hishat, Jan 23, 2008.

  1. hishat macrumors regular

    hishat

    Joined:
    Oct 14, 2007
    Location:
    United Kingdom
    #1
    if my macbook becomes damaged....have i got the option to upgrade through the insurance company that will fix it?

    for example...i have a macbook 2.16 c2d...it becomes accidentally damaged to the extent its beyond repaid...(run over by a bus)

    can i ask the insurance company instead of replacing it for another macbook...to replace it for a macbook pro?? and i pay the difference?

    anyone heard of this being possible??

    thanks
     
  2. ethernet76 macrumors 6502a

    Joined:
    Jul 15, 2003
    #2
    Depends on the insurance company.

    Home owners insurance will usually cut you a check for the value of what was damaged. Car insurance is pretty much the same way.

    I'd imagine most places would just send you a check and make you order your own computer again.
     
  3. samh004 macrumors 68020

    samh004

    Joined:
    Mar 1, 2004
    Location:
    Australia
    #3
    Your computer was run over by a bus ? How the heck did that happen ?
     
  4. hishat thread starter macrumors regular

    hishat

    Joined:
    Oct 14, 2007
    Location:
    United Kingdom
    #4
    hmmm...im a resident of the UK...i bought my macbook from pcworld...bought an insurance package called...PC performance...covers me for everything...its an insurance company specifically for PC's/MAC's
     
  5. ethernet76 macrumors 6502a

    Joined:
    Jul 15, 2003
    #5
    In this case they'll probably require you to send the computer in and ship you a refurb.

    Warranties and insurance are two separate things. If it's a warranty and not insurance it's unlikely they'll send a check or give you credit towards an upgrade. For them sending a replacement is actually cheaper.
     
  6. davidjearly macrumors 68020

    davidjearly

    Joined:
    Sep 21, 2006
    Location:
    Glasgow, Scotland
    #6
    PC Performance is the extended warranty provided by PC World. What they normally do if they think they machine is not worth repairing, is send out replacement vouchers to use in either PC World, Currys or Currys.digital.

    So, they will look at the performance of your machine relative to others on the market at the time you purchased it. They will then (if they think it is not worth repairing) send you vouchers for a similar range of computer that sells today.

    They normally do not send refurbs or replacement machines, but they can if they want. They normally give the customer the option to go into store and purchase a new one with the vouchers they send. This gives them the chance of more revenue if the customer buys a new machine of higher spec and adds cash to the value of the vouchers.

    In addition, it also gives the customer to re-invest in another extended warranty plan.

    I used to work for DSG, which owns PC World. ;)

    Edit: I should say, if this is something you are planning :)eek:), think carefully as they can catch you out and have done to some people before. However, if it is genuine, you can take the computer to your local PC World and they will arrange for the above to take place.
     
  7. hishat thread starter macrumors regular

    hishat

    Joined:
    Oct 14, 2007
    Location:
    United Kingdom
    #7
    hmmmmm so..i bought my macbook for £829.99....will they send me vouchers for that amount?? or what its worth now?? :(
     
  8. ethernet76 macrumors 6502a

    Joined:
    Jul 15, 2003
    #8
    That beats anything here they'd do in the states.

    Extended warranties in the states are pretty much a scam.
     
  9. gnasher729 macrumors P6

    gnasher729

    Joined:
    Nov 25, 2005
    #9
    Let me just ask this question: Has your MacBook been run over by a bus, or is this something that you are planning on in the future? In the first case, why don't you call your insurance? They know better than we do. In the second case, you know that what you are planning is insurance fraud, which means you can end up with a criminal record and no Mac in the worst case?
     
  10. davidjearly macrumors 68020

    davidjearly

    Joined:
    Sep 21, 2006
    Location:
    Glasgow, Scotland
    #10
    Neither, as I said before, they would likely send you vouchers (if thats the route they decide to take) to cover a new laptop with similar specification in todays market.
     
  11. gazfocus macrumors 68000

    gazfocus

    Joined:
    Jan 3, 2008
    Location:
    Liverpool, UK
    #11
    The insurance company PC world uses will send you vouchers for the laptops "current value". You can then go to any pc world/currys and buy any other laptop with a minimum value of the vouchers and you can pay more for a better one (although PC World don't seem to stock current spec MBPs)
     
  12. roland.g macrumors 603

    roland.g

    Joined:
    Apr 11, 2005
    Location:
    One mile up and soaring
    #12
    Just make sure you are holding the MacBook when it gets run over by the bus. Insurance pays out triple if you are injured during the accident.
     
  13. r88my macrumors regular

    Joined:
    Oct 28, 2007
    Location:
    Manchester UK
    #13
    Better still, make sure that four of your friends have their arms around you at the time. For the above reasons. LOL
     
  14. davidjearly macrumors 68020

    davidjearly

    Joined:
    Sep 21, 2006
    Location:
    Glasgow, Scotland
    #14
    No, they don't issue vouchers for the computer's current value. They issue replacement vouchers for an equivalent model sold today.
     
  15. 00hkelly macrumors 6502

    Joined:
    Nov 15, 2006
    #15
    I had an accident with an old pc laptop, we claimed on the household insurance and they stated a value that they thought the pc would be worth now and basically said choose a model. we went for a macbook but they sent it to us, and it was from some reseller and the box had clearly been opened (think this was to install more ram though), a bit off putting when you are expecting a new macbook.
     

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