If you’ve ever had a laptop stolen or damaged, you will know the frustration and stress this can cause. Getting a laptop insurance policy from CheaperGadgetInsurance.co.uk can take the strain, giving insurance protection for your laptop against theft, accidental damage, loss, and even breakdown if the manufacturers warranty has expired.
Don’t put yourself through the worry and financial stress of replacing your laptop should the unforeseen occur. Get an online
THE GADGETS THAT QUALIFY FOR COVER
The gadget must be less than 36 months old (or less than 12 months old for laptops) with valid proof of
purchase (not from online auctions) when this insurance starts. Only items on the list below can be covered:
MP3 Players Video Cameras Bluetooth Headsets
iPods Mobile Phones Satellite Navigation Devices
DVD Players Smart Phones E-Readers
iPads PDAs Camera Lenses
Games Consoles Laptops In-Car Computers
Digital Cameras Tablets Head / Ear Phones
You can include as many laptops iphones ipads etc …as you want but only up to the Benefit Limit you select (see below).
BENEFIT LIMIT – YOUR CHOICE OF COVER
There are two levels of cover you can choose from:
Gold will provide a maximum benefit limit of £500
Platinum will provide a maximum benefit limit of 1,000
There is a policy excess applicable to each and every claim. This is the amount you must contribute towards
the claim. You can select the level of excess that you want to pay. This can be £25 or £50 or £75.
The amount of excess you selected will be shown in your insurance schedule.
SIGNIFICANT FEAURES, BENEFITS, LIMITATIONS AND EXCLUSIONS
A. Accidental damage
We will pay for repair or replacement costs if your laptop or iphone or ipad etc… is damaged even from water damage which could affect the hard drive as the result of an accident. Where only part or parts of your gadget have been damaged, we will only repair or replace that part or parts.
If your laptop or iphone or ipad etc… is stolen we will replace it. Where only part or parts of your electronic equipment have been
stolen, we will only replace that part or parts.
C. Malicious Damage
If your laptop or iphone or ipad etc… is damaged through the intentional or deliberate actions of another party we will repair or
replace it. Where only part or parts of your gadget have been damaged, we will only repair or replace that
part or parts.
D. Fraudulent Call Use
We will pay up to £100 including VAT towards the cost of calls made without your permission from your
gadget with airtime capability while the gadget is stolen and while the calls are not barred by the airtime
This is subject to such unauthorised calls being made within 12 hours of discovery of the theft of your gadget.
You must also make a valid theft claim under this insurance to be able to claim for unauthorised calls.
This policy covers mechanical breakdown which occurs after the manufacturer’s guarantee period has
expired. This cover is not available on laptops.
F. Accidental Loss
We will replace your laptop or iphone or ipad etc… if you accidentally lose it, meaning that you have accidentally left the laptop or iphone or ipad etc… in a location and you are permanently deprived of its use. Where only part or parts of your gadget have been
lost, we will only replace that part or parts.
Worldwide Geographical limit
Cover will apply while your laptop or iphone or ipad etc… is in the United Kingdom. Cover is also extended to anywhere in the
world for up to a maximum of 90 days in any one annual period of cover.
HOW TO CLAIM
To report a claim please contact the Administrator, Citymain Administrators Limited, on 0844 875 1564 within
48 hours of discovering the incident. Theft claims must also be reported to the police with 24 hours (and
within 12 to your Network in the event of theft of your telephone).
Full details about making a claim can be found in the section “How to make a claim” in the Certificate of
Laptop computers have become an important part of modern life, used daily by a wide spectrum of people across all ages and lifestyles. In many ways, the laptop has come to replace the static desktop computer of old, giving mobility and a greater sense of freedom to computing. Whether it is used for complex spreadsheets, browsing the internet, checking email, or finalising that school homework, the laptop computer means that computing no longer has to be relegated to sitting at a desk, but can be enjoyed wherever you like.
Why Get Laptop Insurance?
Having your laptop stolen or damaged could result in a great deal of frustration and stress for you, particularly if you don’t have the funds available to buy a replacement. Although laptops have largely replaced desktop computers, they are by their nature a mobile device. Many people travel with their laptop with them, to the office or business meeting, or college lecture. However, laptop theft is rising in the UK, so make sure that your laptop is covered in the event of theft with a laptop insurance policy that has sufficient cover to replace your laptop, should it be stolen.
Liquid damage is a very common cause of laptop damage, and even a tiny amount of liquid spilled onto the laptop can render it unusable. You may think that it will never happen to you, but you don’t have to be clumsy to have an accident! If you’re busy working on your laptop you may not be paying full attention to everything else, and a badly placed coffee cup could spell disaster! Most laptop insurance policies will have cover for liquid damage, up to a certain specified amount, so make sure that the laptop insurance policy you get gives you maximum protection for your laptop.
Very often you will find that the standard manufacturer’s warranty does not give cover for things like accidental loss, or liquid spillage, so if you want to make sure that you laptop is covered, laptop insurance is the way to go.
What If I Accidentally Lose My Laptop? Will It Be Covered?
Laptop insurance will generally have cover in their policy for accidental loss of the laptop, that is accidentally leaving the laptop in a location which means you are permanently deprived of its use. Once again, the amount you can claim for this is dependent on the laptop insurance policy you choose, and often the level of cover you buy.
Are Macbooks Covered Under Laptop Insurance?
Yes, laptop insurance does not generally exclude cover for a particular brand of laptop. It is important to look closely at the maximum claimable amount the laptop insurance will pay if something were to happen to your Macbook, or Macbook Pro, to make sure that you have sufficient cover in place.
What Else Does Laptop Insurance Cover Me For?
This of course varies from policy to policy, but very often you will find that laptop insurance will give you cover for travelling outside of the UK with your laptop. This is usually set to a maximum number of days, such as 45 days in a year, or 90 days in a year. You may find that the worldwide cover may limit certain sections of the insurance, although mostly the insurance merely extends to worldwide travel for a specified number of days. Also, it is important to note that laptop insurance policies generally have the condition that the police authorities are informed if you lose your laptop, or if it is stolen, and will require some form of proof of this.
Cheaper Gadget Insurance has partnered with Tinhat to provide specialist insurance cover for all your loveable gadgets. So forget about the what-ifs and let us watch your back in your time of technological need.
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Cover is for 12 months and you can pay upfront or spread your payments monthly by Direct Debit. You must have purchased the gadget new, be under 12 months old and have the original receipt for all items you are claiming for. When you click through to get a quote you will be dealing with Tinhat who are authorised and regulated by the Financial Conduct Authority FCA Registration 650727.
Cover is arranged by Tinhat, a trading name of Bastion Insurance Services Ltd.
Bastion Insurance Services Ltd are an insurance intermediary authorised by the Financial Conduct Authority in the UK under registration number 650727. The insurance is underwritten by UK General Insurance Limited on behalf of Great Lakes Insurance SE. UK General Insurance Limited is authorised by the Financial Conduct Authority under registration number 310101.
Cover includes taking your devices with you on holiday anywhere in the world, with no limit on the number or length of trips.
This product is available to UK residents who is over 18 years old when they purchase a policy.