Useless Insurance

I send a complaint through to Renasa on the 03/07/2021 and received a answer on my dispute with them Yesterday 20/07/2021. however the outcome of their so called investigation is not acceptable.

a table broke at work causing my personal laptop to get damaged along with a pc monitor and a tv. they are willing to pay out the pc monitor and the tv but not my Laptop. the problem is the Laptop was used with my CCTV system and was also used for off-site monitoring of my cameras. my business insurrance makes provision for all risk, public liability and electronic equiptment. they claim that my laptop cannot be claimed because it is data processing equiptment and cannot be claimed under the all risk as it was not specified, cannot be claimed under electronic equiptment as it is data processing equiptment, and i cannot claim it under public liability.

but if my client comes to my warehouse and myself or staff accidently damages their laptop, ect then public liability would pay out.

the problem with Renasa is they quick to take your money but will try any loophole not to pay for claims. they do not even deserve the 1 star rating as they are really useless and to think that i thought the world of them. no i will have to submit my issue to the insurance ombutsman and hopefully this would get sorted as i now sit without screens and a laptop to remotely view my cameras and this impacts my business