Insurance PC replacement what to do

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Alfroogy

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My mom called over the weekend to say our house had been broken into and that my PC had been stolen.
Luckily it's covered by insurance. The only thing is that I can build a better PC these days for less than replacing the old parts. Should I take the chance and lie to the insurance company, or should I just let them give me back what I lost. Option 3 I guess would be to try explain to them it would be cheaper for them to get me the specs I want rahter than replacing the specs I had. Or should I try push for cash to build it myself?

My old specs:
Corsair GS600 600Watt
Gigabyte ds3r p35 rev2
Intel q9450
EVGA gtx 260
2x2gb mushkin ascent 1066 ram
scythe ninja cpu cooler
500gb WD black HDD
Liteon Sata DVD Writer
coolermaster cm690
win7 64bit

looking around I can probably build myself a nice i5/i7 pc for the cost of replacing that.
What do you guys suggest I do?
 
afaik you shouldnt really have to declare your specs to the insurance company, just the value of it, and then go buy something to that value.
 
If you can give us a budget for what your PC was insured we can suggest a new build for you.

The following rig would set you back about R9k:
AMD HD 6870 - R2600 / MSI Hawk GTX 460 - R2500
i5 760 - R1700
Motherboard with SATA3 & USB3 - R1450
CoolerMaster GX 550 - R800
2x 2GB DDR3 1333 - R700
Cogage True Spirit CPU Cooler - R400
1TB HDD - R500
CM 690 II Plus case - R900
DVD Writer - R200
 
Get the money dude.

Of course you try your luck with the insurance. By the look of it you can tell em the pc set you back 15k. Just hope they don't ask for the invoice but most insurance companies just pay.

Stick it to the man!!!!!!!! :D.
 
As Far I I can Remember it's insured for about 12k or there abouts.

afaik you shouldnt really have to declare your specs to the insurance company, just the value of it, and then go buy something to that value.
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That's what I thought too, but my mom says the insurance company is asking for the specs. The problem is right now I'm still at University In Grahamstown and trying to communicate between my mom, and the insurance and keeping the story straight throughout is proving to be bothersome.

Pada that is a veery similar build to what I was thinking. Though I've had a coolermaster PSU die on me 3 months out the box so I would probably go for a Corsair or Antec as I've had a much better experience with them.

Of course you try your luck with the insurance. By the look of it you can tell em the pc set you back 15k. Just hope they don't ask for the invoice but most insurance companies just pay.
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I'm trying for the money at this point. I am pretty much telling them It cost me +- 13k to build. I hope they don't ask for invoices, because I don't have them anymore as I got most of my parts while overseas and have subsequently misplaced/lost/accidentally thrown them away.
 
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Really depends on your insurance company. Some insurance companies if the your PC wasn't specified and only covered under general household will only pay a maximum amount of R5000 rand. Other will pay what it was worth when you bought it(if you have all invoices) or what it is worth now(if most of the parts is still available).

Personally I would never lie to the insurance. Karma is a really bad thing. Lie to them now to maybe get an extra couple of rand. Next week you are in a car accident and your house burn down, and then they find some reason not to pay out. Thats just my view.
 
if they want the specs just give them the specs you want :) If they ask for invoices, say you got it off carbonite or some other secondhand place :)
 
I know with DialDirect, they told me I don't need to give them an inventory of my household, and only laptops, cellphones etc need to be specified. My main PC hasnt been specified.
 
zimdazz said:
I know with DialDirect, they told me I don't need to give them an inventory of my household, and only laptops, cellphones etc need to be specified. My main PC hasnt been specified.
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Sure, but they will only give you 5 grand for it if it's stolen. And it it is worth 12 grand, sorry for you, unless you have specified it, in which case they will invoices, serials, et al.
 
They don't need the specs. Just give them a quotation for a replacement pc. I usually get quotes from the more expensive local businesses and then use the cash they pay out to get a new one from a cheaper place.
 
Just try to get the cash value of the old PC, you'll be able to buy new parts and at the same time it's being honest.
 
Thamks guys (there are no girls on the internet) I'll try get the insurance value in cash. Then I can also build it myself which is mucho fun.
 
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