Prevent fraud and avoid being scammed


Laptop Insurance - The Vital Elements

Laptop  Insurance  -  The  Vital  Elementswith a Hydrological Consultant (who might be
planning river system controls). The latter
Imagine if, for whatever reason, you werewould obviously seem more at risk of water
without your laptop. You need to do some workdamage  than  theft.
on it, or maybe some planning - you know why
you  need  it.Let's  look  at  each  in  turn  ...
But you cannot. It is incredibly frustrating.Extended  Warranty:
Many  people  have  been  in  this situation.
Bizarrely, very few companies offer Extended
Your laptop might be lost, stolen, damaged orWarranties as part of Laptop Insurance. The
just plain not working. How soon would it beonly main provider that does is . If you
before you are back with a functioningwant to be covered for your laptop simply
laptop, and how much is it going to cost yougoing wrong or breaking down, you need to be
to  get  there?covered  for  this.
Laptop Insurance is recognised as theLoss  Cover:
necessary tool to help you through this, but
how do you know if you are getting good coverIt would appear that almost no provider
at a price that represents good value to you?offers loss cover. It is most likely deemed
to  be  too  risky  to  insure.
To answer that, first you need to define
exactly what is important to you. What areInternational  Cover:
your  likely  risks?
Many providers will protect you for up to 60
For example, if you never travel with yourdays  per  year  outside  of  the  UK.
laptop - maybe you just use it at home,
sometimes in the lounge, sometimes in theWater  Damage:
study - then you are probably not going to
need international cover as part of yourThis is not a common element of cover in many
laptop insurance. In this instance you arelaptop insurance company's policies, but it
probably not going to need loss cover eitherIS a common killer of laptops! How many times
(a laptop is not something you are likely tohas that cup of tea or class of orange juice
lose  down  the  back  of  the  sofa).been dangerously close to spilling over your
laptop  keyboard?
What if you just drop your laptop? You need
your laptop insurance to be able to protectAccidental  Damage  Cover:
you for this. You do NOT want to have to
commit insurance fraud (and thereby break theAgain, this is a common need for laptop
law) by lying in your claims process, youinsurance. You are walking along, maybe in a
would want to make sure that you are coveredcrown, and your laptop bag gets knocked out
for  accidental  damage.of you hand ... and smacks down on the
concrete. This is a relatively common element
So outline what elements of cover you thinkof  laptop  insurance.
you  will  need.  For  example  ...
Theft  Cover:
* Will you need Extended Warranty in case it
just  breaks  down?This is the most obvious risk for your
laptop. You laptop is a very portable, high
*  Will  you  need  loss  cover?value item. Anything that is worth a lot and
can be carried while running away is a prime
*  Will  you  need  international  cover?target for thieves. Consequently, this is the
most common element of most laptop insurance
*  Will  you  need  water  damage  cover?policies.
*  Will  you  need  accidental  damage cover?On analysis of the market, if you need all of
the different elements of cover, then the 2U
*  Will  you  need  theft  cover?Laptop Insurance is, to the knowledge of this
author, the only laptop insurance policy
It may seem obvious to you that you needavailable on the market that will meet all of
certain elements of cover, and maybe notyour  wants  and  needs.
others, but just consider the list above.
Some people might feel more at risk of theftIf you do not need to protect yourself for
than water damage, while others might be theall of these eventualities, you can find
other  way  around.slimmed down levels of protection for your
laptop with your local insurance broker, or
For example, compare a travelling businessmanin your search engine.



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