Taking your work, your study and your play with you overseas might be a necessity for you. Make sure that you’ve got the cover you need should anything happen to your gadgets while abroad. Can your home contents insurance do that? We’re a connected nation these days, with smartphone, tablet and, of course, laptop devices now must-have accessories for Brits of all ages. This is why laptop insurance is such a big deal in the Laptop For Insurance Purposes UK — these are expensive pieces of kit, after all, so you need to insure your laptop in the right way.
The study loan for international students in usa will be comprehensive, giving you the peace of mind that comes from knowing you are protected in every eventuality — within reason. This means a policy that provides laptop theft insurance as well as damage coverage, helping you to work, study and enjoy leisure time with confidence.
But it’s not as simple as just getting your laptop insured. You should make sure that you’re fully covered in the places you need your laptop most, without paying over the odds. Read on to discover more about Laptop For Insurance Purposes UK.
According to the research firm Gartner, a laptop is stolen every 53 seconds, so protecting yours should be at the top of your list of reasons to get contents insurance. Also, you may (wrongly) assume your warranty covers your favourite device. Should you care that your warranty doesn’t include theft? It’s not like theft is going to happen to you, right? Don’t wait until your laptop is nicked to realise you should have had insurance all along.
Are laptops covered in and out of doors by home insurance?
Under contents insurance we will automatically provide cover for loss of or damage to laptops caused by any of these events whilst in the home:
- Fire, explosion, lightning, earthquake and smoke damage
- Storm and flood damage
- Riot, civil commotion, strikes, labour and political disturbances
- Damage by malicious persons or vandals
- Collision by aircraft or other aerial devices, vehicles and animals (not including domestic pets)
- Theft or attempted theft from the home
- Falling radio and TV aerials
- Subsidence, heave or landslide
- Damage caused by falling trees or branches
- Escape of water
- Leakage of heating fuel
To cover a laptop against accidental damage in the home you will need to select Extra Accidental Damage cover. If you would like to be covered away from home you will need to select Personal Belongings cover.
Laptop insurance for students
Students need laptops, and so students often need Laptop For Insurance Purposes UK . In a basic sense, your student laptop insurance will work in the same way as any other insurance policy, but you will need to check a few things before you can decide on coverage.
Firstly, your student accommodation — such as halls — may have some sort of insurance policy in place to protect the property and the belongings it contains. This may extend to your laptop, but it may not — or it may not cover the whole cost of the laptop. Be sure to check whether you are covered before you sign up for a second policy.
Secondly, you may have an existing policy that covers your laptop already. If you have already taken out personal belongings insurance, this should still cover your laptop whether you are away at uni or back at home for the summer. Again, it’s a good idea to double-check this.
Does home contents insurance cover laptops?
Yes! In most cases, your home contents insurance will cover laptops. But, as with most topics related to insurance, there are a few “ifs” and “buts.”
Basically, you can claim for a broken or stolen laptop on your contents insurance if something happens to your laptop that wouldn’t be covered by the manufacturer’s warranty inside your home, but not if something happens outside your home. Once you take your laptop outside your home, it ceases to be part of your home’s contents.
So, if you are burgled by forcible and violent entry and your laptop is stolen, it will be covered. Similarly, if there is fire, flooding or another mishap within your home, and your laptop is damaged, you’ll be insured. If your laptop is pinched on the train to work, or if it gets knocked off a table in the library, home contents insurance will likely be no good. It’s worth checking if your home contents insurance includes out-of-home cover, to protect you against this.
4 excuses we use for not getting insurance for laptops in the UK
You’ve got a Laptop For Insurance Purposes UK . It was expensive, but so far, it’s not come into harm’s way. And you tell yourself, maybe it never will. Or you reason that it’s probably covered on the extra thing you paid for in the shop when you bought it. If you’re really stretching it, you might kid yourself that it’s included in your landlord’s policy.
Number 1: My laptop is covered by mine/ my parents’ contents insurance
Fair enough, but check that it actually is first before packing your laptop to take it on holiday.
Don’t assume that because your laptop is on there or comes under the contents limit, it’s covered, say, if you want to take it on the train. Most contents insurance policies come with a personal possessions add-on, where you need to name specific items you plan on taking out of the house. So if your laptop is to be insured around and about in the UK and abroad and not just at home, take another careful look at that policy before relying too heavily on it.
Number 2: My laptop is covered by the warranty I took out when I bought it
Actually, it’s not. Warranties are a way of guaranteeing that a laptop or other device will work as it should for its anticipated lifetime. If it breaks down within that time, you’re all good with the warranty. If you have it stolen from your bag, or spill a can of coke over it, it’s not. But with laptop insurance, it can be covered not only for mechanical breakdown, as with a warranty or paid care plan, but for accidental damage and theft.
Number 3: My laptop is refurbished, so I can’t insure it
An Arma Karma subscription can cover refurbished laptops, as well as phones and other devices. All you need is a 12-month warranty (you see, those warranties do still come in handy). There are lots of websites that offer models and specs to rival the big tech retailers. Not only could you save a chunk of money, but you’ll send CO2 emissions plummeting too.
Number 4: My travel insurance covers my laptop while abroad
Of course, there’s always that option, but a laptop in transit isn’t the only one at risk. You’re just as likely to forget you put it by the side of the bed after a Netflix session and step on it the next morning, as have it squashed under someone else’s luggage. If you want to have Laptop For Insurance Purposes UK as well as outside it for up to 60 days, then you can cover it easily with an Arma Karma subscription from £4.49.