I'll reply in depth when i wake up - in the mean time, can i presume you printed my post.

In addition to ther above; if you wish to disput ethe value, you will have to dispute the specifications.. Just because I say its better, doesnt mean its suitable for your needs; Compare the specifications (bearing in mind some trends/moves in particular areas are down to the produces/industry concerned and can not be accomodated for) for your original model vs the model on offer. If anything is not meeting what you had and is of importance to you, raise this to the replacment company involved (dont suggest a replacement yourself) and ask them to review the offer. This can work both for and against you though, as if they review the offer there may be cheaper alternatives that are better again in specifications and meet anything specs you raise as issues of concern. Original Specs: HP Compaq 6715s specifications. Get the full spec from TechRadar UK Replacement Specs: Compaq 610 Notebook PC specifications - HP Small & Medium Business products Good Luck.

Hi, Just a quickie (as this claim may already have been completed etc). Working on behalf of Aviva in regards to repalcing and valuing electrical items, namely laptops and the like.. The value you have been offered appears to be base don a product model which is newer and superior in many specifications to your original model. How can you dispute a replacement that is BETTER than your original? if you don't wan';t the replacement, you state you have been offered the value of it in cash... Sounds to me like you just wanted / expected your original machine to be worth more, or you misunderstood the basic concept of your policy. I know all of what I am saying sounds like a rant, but thats purely because i have to deal with the same sort of thing day in day out; people don't understand their policys (I am not saying its their fault!) and rather than the responsible parties that sell the policy being on the brunt end; its us replacment companies.

I know this post dates back a bit now, but I thought I'd comment on the letter you received from iVal. Unless the wording of their letters has changed - the letter states the excess amount(s) and indicates taht they will ask you to settle this directly with them during the course of the claim (usually after replacement items/vouchers are agreed - but before anything is issued). iVal - Options is a Visa styled gift/voucher card - its unlikely you would receive a payout via this method. iVal attempt to repalce goods directly, or provide you with vouchers to do so. They can not deduct the excess from the settlement figures without NU's authority and intervention. (How do you deduct £'x' from a physical product anyway?). Either way, since you never posted again on this thread I'll assume everything worked out in the end..