swee'pea99
Squire
I've just been looking at the Ts & Cs of the policy proposed for the laptop my daughter's buying, and I note it specifically excludes: "Damage to Equipment that is not suitably stored, packed or protected whilst being transported or carried."
I can see why it's there. They don't want to be liable if a gormless student just chucks the thing in the boot of their Muppet GTi and then goes off on a joy ride. But it does seem on the face of it to exclude also her accidentally dropping it while leaving a lecture (at which point she certainly won't have 'stored, packed or protected' it). Is this just to be expected, and de rigeur for a policy like this? Or do some such policies have wording that would cover her in such a situation, while also protecting the insurer from muppetry?
Any advice much appreciated.
I can see why it's there. They don't want to be liable if a gormless student just chucks the thing in the boot of their Muppet GTi and then goes off on a joy ride. But it does seem on the face of it to exclude also her accidentally dropping it while leaving a lecture (at which point she certainly won't have 'stored, packed or protected' it). Is this just to be expected, and de rigeur for a policy like this? Or do some such policies have wording that would cover her in such a situation, while also protecting the insurer from muppetry?
Any advice much appreciated.