In Ival's favour I have just recently made a claim through my insurers Saga for my accidently damaged laptop. Saga accepted the claim and said that Ival would be in touch with me within 48 hours, they contacted me the next morning which was a friday(less than 24 hours). They took all details, sent a courier out on the Monday with all the packaging and labels. Two days later I had a phone call from Ival informing me that they would replace the item or I could have PC World vouchers to the same ammount. All done and dusted within a week.