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| Thread ID: 105390 | 2009-11-30 05:46:00 | Ipod, water damage, insurance | Lizard (2409) | PC World Chat |
| Post ID | Timestamp | Content | User | ||
| 834994 | 2009-11-30 05:46:00 | Hi, My Ipod Touch found its way into the washing machine, and spent about 30 mins being rinsed, washed, and spun before I fished it out. First thing I did was dry it off, and put it into a bowl of dry rice to dry out. It's now had 24 hours, including 12 in the hot water cupboard, but I can still see water under the screen. I also noticed the dock connector is a little bent, but with some encouragement it will take a cable. I haven't powered it on yet, for obvious reasons, though I'm about 99% certain it's toasted. We have standard contents insurance with AMI, and I was wondering if they would accept the claim. Before I ring them and ask them about it, does anyone think this is a viable claim? i.e. have you claimed for this kind of thing and been accepted? |
Lizard (2409) | ||
| 834995 | 2009-11-30 05:49:00 | Well it was an accident so I presume it would be covered. | xyz823 (13649) | ||
| 834996 | 2009-11-30 08:15:00 | Probably not going to be covered under a fire policy. But, hey, it's an apple, and they can walk on water, so no problem (as long as you are not a smoker). |
R2x1 (4628) | ||
| 834997 | 2009-11-30 09:43:00 | Standard comprehensive household insurance will cover it. Of course your excess will eat into a fair amount of the cost. Some household policies even have no claims bonuses these days much like cars do so check that out to. If it is a newish high end touch it will be worth making a claim. | AvonBill (11358) | ||
| 834998 | 2009-12-01 01:40:00 | It should be covered no worries, tell them everything though. btw might want to edit your sig...A 1MB graphics card wouldnt do much these days lol |
hueybot3000 (3646) | ||
| 834999 | 2009-12-01 01:48:00 | Why not actually take the time to read the print in the policy you have? These Ipods can do anything apparently. "My Ipod Touch found its way into the washing machine" I wish my clothes had the same intelligence. |
Sweep (90) | ||
| 835000 | 2009-12-01 02:20:00 | Hi, My Ipod Touch found its way into the washing machine, and spent about 30 mins being rinsed, washed, and spun before I fished it out. First thing I did was dry it off, and put it into a bowl of dry rice to dry out. It's now had 24 hours, including 12 in the hot water cupboard, but I can still see water under the screen. I also noticed the dock connector is a little bent, but with some encouragement it will take a cable. I haven't powered it on yet, for obvious reasons, though I'm about 99% certain it's toasted. We have standard contents insurance with AMI, and I was wondering if they would accept the claim. Before I ring them and ask them about it, does anyone think this is a viable claim? i.e. have you claimed for this kind of thing and been accepted? I would say that you should have cracked it open, to get it drying out properly, otherwise you will have water that may take weeks to get rid of, and it will corrode. It probably is already toast, as they are always powered on to some extent. Lots of websites showing how to open it. If you are like me, you will have a $200-500 excess on your household insurance, which will make any claim a waste of time. It is probably an accident, but it may not be worth claiming on. Personally I would just chalk it up to bad luck. |
robbyp (2751) | ||
| 835001 | 2009-12-01 05:11:00 | Spoke to AMI today. Good news is it is covered, but the bad news is the excess is $250, and the replacement cost of an equivalent model is $492 (damn you Apple, for shifting the product lines!), meaning the excess is about half the cost. But here's the twist - when I set up the policy I asked for a $100 excess, on the premium breakdown page it says the premium is based on a $100 excess, but on the policy schedule it says the excess is $250. Sounds to me like they're charging me a higher premium to have a lower excess, but setting the excess at the higher amount because, according to them, I'm renting (though not flatting) and I am probably under-insured. I'm talking to the claims handler tomorrow, but this sounds pretty fishy to me. If my premium is based on a $100 excess, then my circumstances shouldn't be a factor. If they are, then the premium should be based on what the actual excess is. I'm not crazy am I? |
Lizard (2409) | ||
| 835002 | 2009-12-01 05:44:00 | Sigh. When you pay for something read the fine print. Insurance is based on risk factors based on age, smoking or not, previous claims, medical history and etc. When you pay the premium there will be an excess or not. The more premium the less excess. What does the policy say? |
Sweep (90) | ||
| 835003 | 2009-12-01 05:50:00 | Sigh. When you pay for something read the fine print. Insurance is based on risk factors based on age, smoking or not, previous claims, medical history and etc. When you pay the premium there will be an excess or not. The more premium the less excess. What does the policy say? Sweep, I'm not trying to be arguementative, but are you sure you're not confusing life insurance for General (item) insurance? |
the_bogan (9949) | ||
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