insurers obligation?

gegs88 said:

and your doing what every other chancer does, trying to get someone else to pay for your daughters clumsyness. where theres blame theres a claim just buy her a £10 nokia phone and let her buy her own i phone when she's saved up for it..

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Oddie said:

This:

C. Accidental Loss

If you selected the option to pay an additional premium and insure your electronic item for Accidental Loss then if you lose your electronic item we will replace it. If you have cover for Accidental Loss this will be stated within your policy documents. Accidental Loss cover is not available on any Laptop or iPads.

goes completely against this...

WHAT WE WILL NOT COVER

1. Theft or loss:

• from any building, land, premises or vehicle unless force, resulting in damage to the building or premises, was used to gain entry or exit;

You are only ever going to lose anything (accidentally) from a building, land or vehicle (the only time i can think this wouldn't apply is if you're swimming at sea in it!) there is never going to be any force so if you have the first (accidental cover), it MUST negate the second para otherwise the accidental cover is completely pointless and actually doesn't mean anything, which would be misleading and illegal.

If you have accidental cover, you are definitely covered against accidental loss from anywhere, which definitely doesn't need to involve a violent break-in!

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xat44 said:

thanks oddie, i like that

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freelance said:

too late for 90 day cover on your credit card ????????

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Oddie said:

You are only ever going to lose anything (accidentally) from a building, land or vehicle (the only time i can think this wouldn't apply is if you're swimming at sea in it!)

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xat44 said:

WHAT WE WILL NOT COVER
Your electronic equipment is not covered for:
1. Theft or loss:
• from any commercial vehicle.
• from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the electronic equipment has been concealed in a locked boot, locked glove compartment or other locked internal compartment and all the vehicle’s windows and doors closed and locked and all security systems have been activated;
• from any building, land, premises or vehicle unless force, resulting in damage to the building or premises, was used to gain entry or exit;
• where the electronic equipment has been left unattended when it is away from your home;
• where reasonable precautions have not been taken

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where reasonable precautions have not been taken

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RichM said:

Don't trust lockers or anything like that. The organisation will probably keep a spare key and when one gets lost, they will just cut a new one as opposed to ripping out and replacing the locks.

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