iPad help please, oh mighty org.

[Red ones]

My darling daughter dropped the wife's iPad, smashed the glad then poked her finger through it.
The iPad mini 2 has known better days.
The question is, do I spend £160 ish at Apple to fix it, or are there any reputable, reliable places that can replace the screen.

The iPad is out of warranty.


(£100 excess on house insurance!)

Claim on the house insurance. You'll probably get new for old. New warranty instead of short term warranty on the replaced parts.

[andrewsmith]

Claim on the insurance.

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[Littlepeahead]

You could claim but you'll only get new for old if that's written in to your policy and some exclude just this sort of claim. It'll cost you the £100, and you'll lose the ncd you've built up. Then when you go to renew they'll whack your policy up to cover the cost which will then stay high for several years. Home contents is only really worth claiming on if you've had major fire/flood damage.

If the device is a few years old in the long term it might be better to buy a new one, and insure it separately for accidental damage.

(Stu cracked the screen on his 24 hours after I bought it for him but luckily only a corner).

[Heorot]

Or, claim on the house insurance and at renewal time, trawl the internet for a better deal. We did after a claim and still reduced our premium by over £600. Insurers offer great introductory deals atm. It's a bit of a faff to change, but financially it is usually worth it.

[Littlepeahead]

Originally Posted by Heorot

Or, claim on the house insurance and at renewal time, trawl the internet for a better deal. We did after a claim and still reduced our premium by over £600. Insurers offer great introductory deals atm. It's a bit of a faff to change, but financially it is usually worth it.

Crikey, if you managed to save over £600 how much are you paying to start with? Mine is under £200 for buildings and contents and that includes accidental damage and covers £7000 of camera gear all risks anywhere in the world. I don't even have an alarm or all those special locks that reduce your policy!

[Heorot]

We got a great deal when we moved to a new house 12 years ago, set up a monthly DD and then didn't look at it again. Each year it would go up slightly but we just ignored it. Consequently, it ended up at over £800. We finally, this year, looked at all our household bills and ways we could save money. Insurance was top of the list. Sue's car insurance was with e-sure and they offered us a special deal.

Part of the reason for the high cost was that we have had several claims for water damage in the last 4 years. The builders used 5mm pipes for our radiators and toilets and, with Norfolk water being so hard, they have failed at the joints several times.

[Bibio]

Originally Posted by FG1

Claim on the house insurance. You'll probably get new for old. New warranty instead of short term warranty on the replaced parts.

Originally Posted by andrewsmith

Claim on the insurance.

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rant mode on..

and this is the reason insurance prices are going up, people being idiots and breaking stuff then claiming on house contents insurance

you broke it so you pay for it, dont make the rest of us pay higher premiums due to your stupidity and greediness. cant afford to replace it then look after it better.

rant mode off.

[Red ones]

Don't you take out insurance in case you break something? It's called optional accidental damage cover. If you don't want to pay for other people then don't take it out!
I've claimed on insurance but waiting for them to sort how I proceed.

[Bibio]

accidental damage is some peoples way of getting something new that they dont want to pay for (or pay a lot less) so they bounce their tablet, laptop, phone etc.etc off the kitchen floor then get insurance companies to pay for a new one and only pay the excess. this pushes all premiums up not just accidental.

same goes for spilling wine on carpets, sofas etc.etc because they want a new carpet or sofa.

to me its not accidental is stupidity or deliberate if you break something. ''its ok the insurance will pay for it'' attitude is making honest peoples premiums go up and up every year.

i dont expect other people to pay for my stupidity if i break something in the house, fair enough if the telly falls off the wall, pipe bursts or radiator falls off the wall with no intervention by myself but me physically breaking something is a different matter altogether. i broke it i'll have to pay for a new one, not claim on insurance and put it down as 'accidental damage'.

before you say it... i'm not calling you stupid.