Your laptop is probably right up there with your smartphone
in the list of items you absolutely cannot live without. For many of us, a
laptop is now the primary tool we use for our work. And with the growth in
popularity of BYOD schemes - as in, Bring Your Own Device to the office - it’s
not as if we can simply rely on our employers to bail us out if something goes
wrong.
Aha, you say - but isn’t my laptop covered by my home
contents insurance should the worst happen? Possibly, and you may well have
chosen to sign up for an opt-in extra that adds your laptop to your home
policy. However, very good arguments can still be made for buying standalone
insurance for your device. Here are five reasons why.
Lower excess
If you make a claim for a damaged laptop on your home
insurance, your claim will be subject to the standard excess on your policy. In
the case of an older, lower value laptop, this might be more than the laptop is
actually worth, or certainly more than the repair costs. With a dedicated
laptop policy, you will get an excess that reflects the value of the device,
and often get repairs thrown in, too. At Row.co.uk, we include unlimited
repairs in our laptop cover.
Higher payout caps
Particularly if you have recently upgraded your laptop to a
brand spanking new, top of the range beast of a machine, you may find that your
existing home insurance caps payouts well below what the device is worth. If
you are going to insure your laptop, you might as well get covered for its full
value.
Be covered everywhere
Depending on the specific policy, some home insurance does
cover contents that are damaged, lost or stolen out of the home. But this is
not universal, and in most cases it will certainly not protect your laptop for
overseas trips. With a standalone laptop policy like those we offer, you don’t
have to worry - you are covered for damage, breakdown, theft and loss wherever
you are, home or abroad.
Protect your home premium
In truth, home contents insurance is not really designed to
cover individual items. You pay your premium to cover everything you own
against catastrophic loss caused by burglary, flooding, fire and so on. As with
any insurance, making a claim will bump up your premium. What you have to ask
yourself is, for the sake of one little laptop breaking down, is it worth the
whole of your contents insurance becoming more expensive? For what it costs
extra, you are often better off with standalone insurance.
Enjoy the perks
The laptop insurance we offer at Row.co.uk comes with a
number of special little perks that you will only get with a dedicated policy.
We have already mentioned unlimited repairs - we also offer a 24 hour
replacement service for your device, once your claim has been approved. That’s
the kind of service you get when you go with a specialist.
You can read more about our laptop policies, starting from
just £1.49, here.
*The information in this blog is designed to provide helpful information on the subjects discussed. Please seek a professional for expert advice as we can not be held responsible for any damages or negative consequences upon following this information.