Hello - first time poting here but I wondered if anyone could help. We made a claim for a laptop 4 weeks ago after our son knocked a glass of apple juice into it. Besides being interrogated and spoken down to, they have offered us a settlement far lower than the item is worth. I don't really know what my rights are here? My husband seems to think if we dispute that theye will retract the offer and we won't receive anything? We had a Compaq 6715s bought for £620 2 years ago. This laptop still retails for between £500 and £680 depending on whether you buy it abroad etc. The shop we originally bought it from still sells it too, for £550 (though it isn't in stock and had been on sale previously). Our insurers have offered us £430 minus our £50 excess. Or a Compaq 610, worth £430. If we agree to either we will be receiving only half of what we originally paid for them laptop! Is this the way it is supposed to work? My mother has been with these same insures for years (and recommended them highly) and has made a claim for a laptop herself. She received the full price she paid for the laptop?! Do I argue - or is it a lost cause? Though what I would prefer to do is tell them to go take a running jump off somewhere....