Insurance For Computers

Before deciding to purchase a new PC, Apple Macintosh or Laptop, remember that there are alternative computer insurance products available on the open market in addition to those offered by the retailer who will offer an insurance scheme to protect your new computer at the point of sale. As with any type of insurance product it pays to shop around to get value for money. Get a quote now! Insurance for computers

Won't my home insurance cover my computer?

If you decide not to buy insurance for your computer and are instead relying on your home insurance to provide cover, it is worth noting not all home insurance policies will provide adequate levels of cover, therefore, always carefully read your policy or check with your home insurance company.
For example if you did need to make a claim for your stolen or damaged computer or laptop you may be penalised in a number of ways

1. Some home contents insurance companies' single article upper limits are not very high and would not cover the cost of a new computer. Unfortunately computers depreciate quickly; a computer that costs £2,000 now might not be worth more than £500 after only a year. Your home insurance policy may only pay to the present value of the computer.
2. Some home contents insurance policies will not provide cover if you use the computer away from your home or the office. If you use a laptop and travel to business meetings you are taking a big risk.

Currently, 70,000 computers are stolen each year in the UK, and more than 100,000 are accidentally damaged. Due to their small size and the manner in which they are used, laptops are high risk and an easy target for the opportunist thief who will operate in most environments including business premises, public sector buildings, cars, Hotels and households.

Key features of Most Computer Insurance packages include:

. 'All Risks' cover worldwide.
. No excess which makes this the best insurance for computers scheme around.
. Rapid claims response, with authorisation guaranteed in ordinary circumstances, within 24 hours or less.
. No additional security arrangements required.
. Simple premium calculation based on the value of your equipment.
. All hardware including printers and scanners are also covered.
. Minimal exclusions.

What is not covered by computer insurance?
As with all technical equipment, some computer insurances' may not be able to provide cover for items such as:
. Maintenance costs.
. Electrical or mechanical breakdown.
. Wear and tear.
. Fraud and dishonesty.
. Consequential loss, ancd loss or damage caused by sonic bangs are not covered (some of these will be covered under any warranty/extended warranty you may have).

Get a quote now! Insurance for computers.

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