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Contents insurance question

Discussion in 'General Discussion' started by Ag3ntwilson, 21 Jun 2019.

  1. Ag3ntwilson

    Associate

    Joined: 27 Jan 2018

    Posts: 7

    Location: Uk, Southwest

    Good evening,
    I am curious , I have a insurance policy ( with Co Op, covering the contents of my house. I
    have held the same policy now for 3 years .

    I have a computer which has 3 seperate hard drives inside which has my course work and my personal data ,
    Should I ever need to claim on my insurance,
    am I expected to send my computer into the insurance company with the hard drives too ,
    Or am I permitted to hold on to them , if not how do I go about my data being safe.
     
  2. Steedie

    Man of Honour

    Joined: 29 Jun 2004

    Posts: 20,287

    Location: Oxfordshire

    If they want to inspect damage, then yes you will have to risk your sexual deviance being exposed with most insurers.
     
  3. Space Monkey

    Don

    Joined: 8 Nov 2007

    Posts: 13,160

    Location: Outer Space

    Couldn't you claim for the PC minus the drives and take them out, if you're not including them in the price of the claim then they are yours to keep?
     
  4. Ag3ntwilson

    Associate

    Joined: 27 Jan 2018

    Posts: 7

    Location: Uk, Southwest

    ‍♂️
     
  5. Ag3ntwilson

    Associate

    Joined: 27 Jan 2018

    Posts: 7

    Location: Uk, Southwest

    That's what I mean , could I not remove the drives then send it in , or am I opening a door to a declined claim?
     
  6. Space Monkey

    Don

    Joined: 8 Nov 2007

    Posts: 13,160

    Location: Outer Space

    Ask the insurance company in advance, also wouldn't you need to itemise the specs and cost, so just exclude the drives in that?
     
  7. Ag3ntwilson

    Associate

    Joined: 27 Jan 2018

    Posts: 7

    Location: Uk, Southwest

    You'd be surprised of how much info they didn't actually want , I had a big description of my Rig ready to read out to them , but they were like , " that's too much information we only have a box to put a short description in ????
    So I will probably just remove the 2 secondary drives then , they wouldn't know I guess
     
  8. Space Monkey

    Don

    Joined: 8 Nov 2007

    Posts: 13,160

    Location: Outer Space

    If they don't ask then it's deemed not important enough to them (unless specifically mentioned in your policy documents) so I wouldn't worry, as long as you've not included the cost of the parts removed then I can't see any problems?
     
  9. Ag3ntwilson

    Associate

    Joined: 27 Jan 2018

    Posts: 7

    Location: Uk, Southwest

    Thank you for your input , space money ,
     
  10. Space Monkey

    Don

    Joined: 8 Nov 2007

    Posts: 13,160

    Location: Outer Space

    I wish I did have Space Money :D