Is your Laptop insured?

Discussion in 'Mac Pro' started by gekko513, Mar 29, 2006.

  1. gekko513 macrumors 603

    gekko513

    Joined:
    Oct 16, 2003
    #1
    Is your laptop insured? How? Against what? How much does it cost? What company?
     
  2. gauchogolfer macrumors 603

    gauchogolfer

    Joined:
    Jan 28, 2005
    Location:
    American Riviera
    #2
    My laptop is insured as part of a blanket renter's policy in the USA (via provider USAA) for a rather good rate. The premium on a monthly basis (for basically everything I own) is about $23 USD, for a $100 deductible per event, up to a maximum of $35,000. I've used it to replace a stolen camera and bicycle, always within 1 week. They're really an excellent company to work with, if you qualify. For example, I'm in France for a year, and they have a special overseas auto insurance policy that keeps me insured when I go back to the US and maintains my continuous insured time with the company, all for the low-low price of $4 per year :eek:

    Can't beat it.
     
  3. Applespider macrumors G4

    Applespider

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    Jan 20, 2004
    Location:
    looking through rose-tinted spectacles...
    #3
    Yes... as part of my household insurance policy. I pay an additional £25 a year for 'new for old' coverage for my Powerbook. It covers theft, accidental damage and coverage away from the house (regardless of country)
     
  4. gekko513 thread starter macrumors 603

    gekko513

    Joined:
    Oct 16, 2003
    #4
    I'm considering getting something similar to you, Applespider.

    It's a household insurance with an extended "løsøre" fee to cover damage and theft of my stuff outside the home. The whole thing's going to cost me £54 ($95, kr 625) per year.

    However, there's a kr 2500 ($380, £218) deductible and the maximum payment for a single incident outside the home is kr 12 500 (£1088, $1903), and that doesn't really cover my MacBook Pro.
     
  5. andrew050703 macrumors regular

    andrew050703

    Joined:
    Feb 27, 2006
    Location:
    Portsmouth, U.K
    #5
    mine's an extra £30 on top of house insurance - basically the same as Applespider's. it covers up to £1500, with a £100 excess
     
  6. Applespider macrumors G4

    Applespider

    Joined:
    Jan 20, 2004
    Location:
    looking through rose-tinted spectacles...
    #6
    I was originally told that it was covered up to £1500 under standard terms - but I asked to extend it to cover my Powerbook and peripherals and paid the additional fee. I've got a £50 excess.

    One thing that has saved me over time is that since all my personal belongings are covered by my household insurance, I can get cheaper travel insurance since I don't need the personal effects part of that.
     
  7. MIDI_EVIL macrumors 65816

    MIDI_EVIL

    Joined:
    Jan 23, 2006
    Location:
    UK
    #7
    I bought my PowerBook at Dixons XL in the UK. I purchased their coverplan for electricals, and i am at complete rest.

    Their cover is against hardware faults, and accidental damage, features unlimited repairs and home pick up and free delivery back to me!

    Because they sell more than just computers, their cover isn't so strict in terms of accidental damage. If anything goes wrong with my PowerBook that will take more than 6 weeks to repair, they will replace, with the new MacBook Pro.

    Touch wood of course...!

    EDIT: Sorry, i misread and thought you meant from the seller.

    Rich.
     
  8. gekko513 thread starter macrumors 603

    gekko513

    Joined:
    Oct 16, 2003
    #8
    I ended up buying the insurance for up to kr 12 500 (£1088, $1903). It's better than nothing.
     
  9. devilot Moderator emeritus

    devilot

    Joined:
    May 1, 2005
    #9
    I guess this is a European thing? :eek: My dad works in the insurance business here in the States. I'd asked him about getting my computers insured before and he just laughed at me. He said there's no way it's worth the deductibles of somewhat.
     
  10. Max on Macs macrumors 6502

    Max on Macs

    Joined:
    Feb 25, 2006
    Location:
    Milton Keynes, UK
    #10
    My laptop (as well as all my other computers) are covered by my home insurance plan from Barclays here in the UK. It's not only insured from theft and damage at home hough, I do get a bit of cover from when I'm taking it out. The thing is, I've never been able to find an insurance company that offers a service which is acceptably quick, so unless it's a brand new thing that gets stolen or damaged and there is no newer model available, I'll buy a new one. For example, if my MacBook Pro were to be dropped today, I'd get it replaced by the insurance policy. But if it were to happen after a rev. B one comes out an d it offers any kind of upgrade in terms of performance or reliability, I'd just buy a new one, simply because I don't want them to strive to find me an old machine and then jack up my premium for it. But for those who can't afford to buy a new one if something happens, Barclays are pretty reasonable in my experience.
     
  11. Applespider macrumors G4

    Applespider

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    Jan 20, 2004
    Location:
    looking through rose-tinted spectacles...
    #11
    I believe my Woolwich insurance is through Barclays and I thought they were more reasonable in terms of their new for old

    I had a 3G iPod stolen (during a bag snatch) and they sent me a new 4G one within 3 days
    At the time I added my Powerbook, I was told that if anything happened it would be replaced with the equivalent 15" if it wasn't worth repairing.
     
  12. arcsbite Guest

    Joined:
    Jan 14, 2006
    #12
    Mine is covered under my house contents insurance.
    I'm covered for upto 5 items upto the value of £2000 each

    which came in handy last year when my bag was snatched in Paris...iPod, Still Camera and Video Camera...eeek.
    they also replaced things like spare batteries, memory cards and my sunglasses..which was nice.

    not covered for accidental though, shall be changing that when i get my mbp as it will be my main machine then.
     
  13. arcsbite Guest

    Joined:
    Jan 14, 2006
    #13
    I guess so, my excess (which i'm guessing is the same as deductibles) is only £100 for a claim..so it's kind of a no brainer lol
     
  14. yoak macrumors 65816

    yoak

    Joined:
    Oct 4, 2004
    Location:
    Oslo, Norway
    #14
    Under my home insurance, it´s supposed to be covered. Not sure what my excess is; around $200 I think
     
  15. Artful Dodger macrumors 68020

    Artful Dodger

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    May 28, 2004
    Location:
    In a false sense of reality...My Mind!
    #15
    Here in the US my homeowners covers my iBook and stuff like that with a $250 deductible. I had to use it once last year and got my check within 10 days. I just found out that I can get extra coverage for stuff like that anywhere between $35-100 per year so that it won't have any neg. effects on my homeowners if something bad were to happen again to me.
     
  16. UKnjb macrumors 6502a

    UKnjb

    Joined:
    May 23, 2005
    Location:
    London, UK
    #16
    My Powerbook G4 is a stated extra on my Norwich Union "new for old" household policy. I can take it anywhere in the world, have it stolen or drop it or whatever and they'll replace it with the nearest equivalent. I've been with them ages and they have always been very good. There's a £100 excess on any claim - never made one yet *knock knock*
     
  17. mfacey macrumors 65816

    mfacey

    Joined:
    Feb 1, 2004
    Location:
    Netherlands
    #17
    I got a special deal on mine :)

    I have a seperate "computer insurance" policy that covers only my powerbook. It's covered for theft from my home or when I'm carrying it on me within the Netherlands. Its also covered for accidental damage and stuff. No deductible. Premium is 100 euros per year ($120). If I claim it within its first three years of life I get its new-value. Its insured for 2700 euros.

    The policy is actually made for companies with lots of reps using laptops. The premium I get charged is the minimum (otherwise its 30 euros per 1000 euros insured value).

    So how did I manage to get this? Well I work for an insurance company (Axa), of course! :D
     

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