Who would have thought that the invention of a portable computer could make such a difference to our lives? No longer are we tied to one place to use our computers. Now we can work from a beach in the Caribbean whilst also ordering next week's shop.
There are downsides to carrying your connection with the outside world around with you in a bag. Apart from needing a bigger bag, there's more risk of you losing it, or someone stealing it.
As with all insurance policies, the more you pay for one, the more features and benefits you'll get. A basic policy will cover you for:
Our top tip is always check the policy documentation to see what's included in the policy. The last thing you want is to find out you're not covered for loss when you try and make a claim after you've accidentally left your laptop in the local coffee shop.
Most laptop insurance policies won't protect you from:
Our top tip is always check the policy terms to see what's included in the policy. The last thing you want is to find out you're not covered for loss or theft when you try to make a claim.
An excess is the contribution you are asked to make towards a claim. There may be different excesses for different types of claim, so check the policy summary to see what they are (we make this information really clear on our policy details pages).
14-day exclusion period
While some policies provide instant cover, others stipulate that you can't make a claim for the first 14 days after your policy starts. Again, this is something we highlight on the quote page and policy details pages.
Purchased in the UK
Some insurers will only insure UK purchased devices, so if you got a bargain on your business trip to the States, you may find you can't get cover for it.
Purchased from auction sites
Gadget insurers stipulate that the device must have been purchased either as new from a manufacturer, network provider or retail outlet (high street or online) OR refurbished and directly from a manufacturer or network provider. If you do make a claim you will almost certainly be asked for details.
Wear and tear
Policies won't pay out for normal wear and tear, or cosmetic damage like scratches.
If your system gets wiped out by a virus, you won't be able to claim to get the damage repaired, or for any other loss relating to the virus.
For most people the most valuable thing about their device is not the physical device itself but the data that's on it.
Protecting this needn't cost you any money at all.
Ensure that you frequently back up your music, files, photos, videos, contacts and other data. Consider cloud storage options for your data as well as physical backups such as home computers or hard disk drives.
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