Hi,
Yesterday, I was cleaning behind my computer desk, sorting out the wires etc., and my 2 yr old accidentally spilled a cup of juice on top of the tower unit. It started to make funny noises and spark so I took it outside and got a fire extinguisher to it just in case. As you can imagine it is now ruined. Apart from the fact of the computer itself, I lost a lot of data, photos etc.
My house insurance policy says I am covered for accidental damage to computers etc. I bought the computer 2 years ago for €800. I would say it's value now is about €500. Should I claim on this to get it replaced? What would be the implications for my premium? I cannot really afford to fork out for a new one at the minute and I really need the computer.