Some of you will know from other posts that I have had an outstanding insurance claim for cracked screen on a 2-½ year old laptop (Acer Aspire) which fell off the bed (no, I was alone!).

With a new screen costing £400+ (thanks Woolwell!) plus VAT and labour, I didn’t really expect a repair, but I did expect a cash offer towards a replacement and I found, and purchased in anticipation, a slightly lower spec 15” Acer Aspire.

Imagine my surprise when they only offered replacement, which turned out to be a 14” twin screen Acer Iconia, with a much higher spec., with no betterment levy

My only other experience of a claim was a car, for which I was offered market value.

Is it normal these days for insurance companies to offer upgraded replacements, rather than negotiate a write off cost?

I deliberately placed this in Speakers’ Corner, FE, rather than Consumerwatch, as I am seeking opinions rather than advice