Thankyou for the very thorough response. I read through the T&Cs online and it says i have to pay to substantiate my claim. £55 the GF will have to pay me! The only thing that worries me is if say the laptop would be £500 to repair, and as the quotes have been coming in at about £700 to £900 (as mine was £900 reduced to £700 8 months ago and is no longer available) then they would opt to repair it. It is still under warranty though, so by opening it up and repairing, wont they invalidate the last 4 months of warranty. Also, what if the repair does not fix everything, would they take it into consideration and say opt for replacement? Thanks

Hi there, New here so bear with me! I have a laptop which my GF stood on during one of her careless moments. She was waiting for a taxi to go out, looked out the window and turned round, standing on the corner in her heels. Result - Cracked screen. I hooked it up to an external monitor to see what the extenet of damage was, and it appears to keep hanging when accessing applications. Im insured with Sainsburys/Halifax, and put a claim in on my home insurance. They did an interview on the phone, then asked me to take it somewhere at my expenses to get a damage report (they called it cause of damage report) and an estimate for repair and for replacement. I took it to a local firm, who have sent it off. They said they can report the damage, but they never heard of a cause of damage report, as they said they werent there so couldnt comment. Laptop is 8 months old, cost £700 new in sale, so more like £900 value. A few questions i have are: 1) Can i reclaim the cost of the report from the insurer? 2) Whats the likely outcome, repair or replacement? 3) Do they issue cash to pay for repair, or pay the shop? 4) Do they issue replacement unit, or give cash to buy one? 5) I got quotes for replacement, they came in at £800/£900. Thanks!