Your documents, personal pictures and video’s are worth more on average than your computer. £400 can purchase a new basic faster laptop but your files can not be replaced so easily and fire or theft can mean I can not even try recovery for you.
I can offer several suggestions to protect these files before something happens,
Restores can easily be done either by yourself or I can do remotely or for an additional fee a usb drive can be delivered to you with all your data ready to be used.
Backups are done to server’s that I control using your own password to keep things secure. These options can also be merged together to provide several level's of protection.