What is a laptop?
A laptop, sometimes called a notebook, is a small, portable personal computer. It’s smaller than a desktop computer and, because it’s battery powered, can be used on-the-go in various different environments.
Why insure your laptop?
In today’s technology-centred world, our laptops play an important part in our lives. Whether it’s for working on university assignments, pulling together presentations for work or catching up on the latest series while waiting at the airport, our laptops are by our sides more often than not.
The more you carry your laptop around, the more susceptible it is to damage, loss or theft. While we aren’t able to help with getting all your data back in such events, we can help with getting you a replacement model quickly, ensuring you aren’t left without your right-hand-gadget for too long!
Not only are laptops expensive, but their portability makes them attractive to thieves and all those little wires, chips, and boards inside them make them vulnerable to damage. Having laptop insurance means that you won’t end up having to fork out for a new laptop in the event that it gets stolen, lost or damaged. And let’s face it – who can afford to buy a brand new laptop?
Laptop insurance isn’t a luxury, but rather a necessity. Which is why it’s so important to protect it with comprehensive Laptop Insurance from Budget.
Portable Possessions Insurance
Laptop Insurance falls under Portable Possessions Insurance. This product comes standard when you take out a Home Contents Insurance policy with Budget. It includes all items that you normally carry with you (i.e. taking them out of the house) that can be lost, stolen or damaged. However, you need to have a Budget Car, Motorcycle or Home Contents Insurance policy to qualify for Portable Possessions Insurance.
Because laptops tend to be pricey, you’ll need to list yours as a specified item and make sure it’s insured for its full replacement value. Other portable possessions that are included under your Portable Possessions policy include cameras, jewellery, watches and cellphones.
What Laptop Insurance covers
Our Laptop Insurance protects you in a range of difference circumstances. These include:
Accidental damage: This includes dropping your laptop, spilling liquids on it or damaging it in an accident. However, the damage has to be substantial and affect the laptop's functionality. Scratches, dents and general wear and tear that don’t affect your laptop’s performance aren’t covered.
Accidental loss: This includes accidentally losing your laptop, like leaving it behind in a taxi. You need to be able to explain how it happened, so take good care of it so you don’t lose it in an embarrassing situation!
Theft: This includes if your laptop is stolen, but only if you can prove that you didn’t act irresponsibly. For example, it’s not covered if you left your laptop on a table in a coffee shop unattended or in an unlocked car.
What Laptop Insurance doesn’t cover
While our Laptop Insurance quotes are comprehensive, they don’t cover your laptop if you use it solely for business, trade or professional purposes; you need to use it for personal or domestic reasons too.
We will also not cover more than the stated amount if your laptop was stolen from the cabin or boot of a vehicle; it will only be covered if there is visible damage caused in a break-in.
Remember, your laptop isn’t covered unless it’s been specified under your Portable Possessions policy. Make sure to always update your policy when you get new equipment.
Laptop Insurance quotes
Ready to get a Laptop Insurance quote? Give us a call on 0861 00 13 53 or leave your details and we’ll call you back at no expense to you – already saving you money! Our friendly consultants are ready to help you get peace of mind when leaving the house with your laptop.