Buying a laptop can be an expensive business. You may not immediately feel like spending a bit more on laptop insurance but putting a decision off until later may be too late.
It’s probably a fair bet that you bought a laptop because you needed the flexibility that mobility may provide for you:
- you may intend to use the laptop exclusively at home but want the freedom to move from room to room as you choose;
- you may intend to take it to work with you, use it while commuting, or, for the workaholics among us, take it on holiday with you!
If it was going to stay in one place all the time then you may have opted for the often less expensive option of a desktop rather than a laptop.
The portability of a laptop though, may mean that it could be more at risk from a variety of sources. It could be:
- damaged if you accidentally drop it or spill something on it;
- stolen;
- more liable to breakdown.
Laptop insurance may typically be able to provide you with protection against the financial fallout of these types of event.
You’ll typically find that there are policies available which provide cover that may include all or some of the following:
- accidental damage to the laptop including damage from liquid spills;
- theft of your laptop which may also include unattended theft provided you leave the laptop in a secure location;
- breakdown outside of the manufacturer’s warranty period.
As with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure that you understand them.
In the case of laptop insurance, for example, this could relate to:
- a condition requiring you to report any theft of the laptop to the police within 24 hours of it happening and obtaining a crime number;
- damage you may cause while tampering with the laptop or trying to fit accessories to it, may be excluded.
In addition to this cover, you may typically find that there are a number of other worthwhile features of insurance for your laptop which may include:
- global cover to provide the protection for your laptop whether you are in the UK or elsewhere for either business or pleasure;
- up to 3 GB of data storage for key data;
- a guaranteed 48 hour replacement, following approval of your claim, to minimise downtime and inconvenience.
Insurance for laptops is one of a family of products that come under the banner of gadget insurance designed specifically for electronic gadgets including things like iphones, BlackBerrys, iPads cameras etc. The actual cover provided may differ depending on the actual gadget concerned but you may find that there are deals available if you decide to buy laptop insurance and cover for your other gadgets too with the same provider.
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