Laptop insurance | Get your laptop covered (2024)

FAQs

What is not covered under the laptop insurance for damage? ›

Some of the cases not covered under this plan in India are: Damage done due to war or risks related to war, terrorism, etc. Wilful acts or negligence of the insured or his/her representative using the laptop machine. Pre-existing faults or defects in general.

Here's some good news: renter's insurance and homeowners insurance cover your laptop, and everything else you own. So your laptop is covered for the 'perils' listed in your policy: that's insurance-speak for bad things that could happen, like vandalism, theft, and fire.

My laptop's under warranty, do I still need cover? Your warranty normally covers you for mechanical failure, rather than things like accidental damage or theft. If you want to be protected against a few more eventualities, it's worth insuring your laptop alongside your warranty.

While there's no such thing as 'laptop insurance' on its own, you might be able to cover your laptop for accidental damage, theft, and loss through your Contents Insurance. Some Home and Contents Insurance policies will automatically cover your laptop, while others might require you to add it as a listed item.

It doesn't include damage that's due to a lack of upkeep or that happens slowly over time. For example, if your roof leaks because it hasn't been looked after. Check your cover to see if Accidental damage is included, as you may need to pay a little more to add it on.

Damage not covered by the warranty includes damage caused by dropping and damage caused by stretching or forcing components beyond their limits.

This insurance covers a range of losses, including: Accidental damage: If you accidentally damage your laptop through drops, cracks, or other accidents, you will be covered. Theft: If your laptop is stolen or vandalized, Oyster policies can provide protection.

Your home insurance will cover laptop damage as long as it's caused by a covered peril. When it comes to electronics, lightning is often the culprit. Power surges caused by lightning can destroy television sets, computers, gaming systems, even doorbells.

Use your own laptop or computer for work? If so, you can claim the depreciation of it across its effective life (2 years laptop and 4 years desktop computer).

Should You Put Your Laptop in a Case? You should put your laptop in a case if you're commuting, traveling long distances, working outside, seeking at-home protection or working in a public space like a library or cafe. Let's take a closer look at each of these scenarios.

How does computer insurance work? ›

This plan works much like traditional insurance that covers damage and loss from perils such as fire, theft, vandalism, wind, water, accidental breakage, and so forth. However, this coverage does not apply to loss caused by normal wear and tear or mechanical breakdown. This coverage is not automatic.

Laptop cover protects your PC or MacBook from a range of potentially damaging things, such as accidents, loss, theft, liquid damage and more. The protection can come in the form of repair, replacement or payout.

Accidental damage refers to a device failing to function correctly or safely as the result of an incident that has happened by accident. For example, it is dropped, something is dropped on it or liquid spilled onto it.

Loss or damage caused by a sudden, unintended or unexpected event that is not the result of a deliberate act. Examples include you spilling red wine on a carpet by mistake; or you unintentionally dropping and breaking a fragile item, such as a vase.

What are all the documents required for making a claim? The following documents are required to make a claim: 1) A duly filled in and signed claim form. 2) Copy of FIR/police intimation filed with the nearest police station mentioning the serial number of the laptop and complete narration of the incident.

This insurance covers a range of losses, including: Accidental damage: If you accidentally damage your laptop through drops, cracks, or other accidents, you will be covered. Theft: If your laptop is stolen or vandalized, Oyster policies can provide protection.

Defects and damages due to loss, theft, fire, water, or a natural disaster. Failure or damage caused by improper use, carelessness (knocks, dents, crushing, broken crystal/glass, etc.), or accidents.

The major exclusions include nuclear liability, physical harm to the policyholder, injury to people who are eligible for workers' compensation, and damage to property under the care of the policyholder (except for explosions, smoke, or fire).

If your laptop is worth more than this to replace, it would need to be a specified Item on your policy. Contents insurance will cover your laptop as long as it is inside your home; however, if you plan to take your laptop other places with you, Personal Possessions Cover could provide cover outside your home.