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Can I insure my laptop?
If you have a warranty on your laptop, getting insurance for it could seem unnecessary; however, the warranty and insurance will cover slightly different things. A warranty may cover minor repairs or mechanical malfunctions, but it may not provide cover for your laptop if it’s lost, stolen, or damaged.
It can feel like your whole life is on your laptop. Whether you’re writing your best-selling novel, browsing the web or skype calling the family, your most important thoughts and most cherished moments live on your laptop. If anything were to happen to it, your home insurance is designed to help replace or repair your laptop and get you back to your screen as soon as possible.
What do we provide to help cover your laptop?
While we do not offer standalone laptop insurance, your laptop may already be covered under your home contents insurance. If you already have home contents insurance with esure, your laptop is covered up to a value of £1,500. 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. Personal Possessions Cover will cover your laptop when it is, outside the home up to a value of £1,500.
We’ve provided further details of what each option covers here:
|Up to £1,500 cover per item||Up to £1,500 cover per item|
|Option to add specified items over £1,500||Option to add specified items over £1,500|
|Standard type of esure coverage||Optional extra that can be added to your esure combined home policy or contents insurance|
|Covers your laptop only as long as it is kept securely in your home||Covers your laptop when outside your home|
|Covers your laptop for replacement if stolen or damaged||Covers your laptop for replacement if lost, stolen or damaged|
Is laptop insurance worth it?
We know how important your laptop is to you - if something were to happen to it, we’d be here to help. Some of what we cover includes:
|Replacement of your laptop if you have contents cover||YES||If your laptop is stolen or damaged to a degree that it is no longer functional, we would aim to cover it. If your laptop would cost more than £1,500 to replace, to have cover you will need to specify it as an item in your policy.|
|Replacement of your laptop if you have personal possessions cover||YES||If your laptop is lost, stolen or damaged (to a degree that it is no longer functional) away from home, we would aim to cover it.|
|A cracked screen, or other external damage to your laptop||YES||Were your laptop to be damaged, we would aim to cover the repairs; however, it would be worth considering the amount of your excess and whether it would be worth claiming for the repairs.|
|Damage to your laptop case or other accessories||YES||As part of your contents policy. An excess will apply to your claim.|
|Loss or corruption of software or data caused by computer viruses, malfunction, user error or where no adequate backups have been kept||NO||Unfortunately, if your software or data are corrupted or lost entirely due to any of the aforementioned causes, we would not be able to cover it.|
Other Optional Extras you can get with your home insurance
Getting these great Optional Extras for laptop insurance can help enhance your cover.
Personal Possessions Cover
For a small fee you can get cover for accidental loss, damage and theft of your personal possessions while they are temporarily removed from your home anywhere in the United Kingdom and for up to 60 consecutive days anywhere in the rest of the world.
Annual Travel Insurance
When you spend a little more, you can add Annual Travel Insurance (Home optional extra) to provide two adults and up to six of their children (including foster children, adopted children and grandchildren), with worldwide cover for unlimited trips subject to a maximum duration of 45 days per trip.
Spend a little extra to avoid ringing around – you can claim for the call out charge and the professional extermination or control of wasps, hornets nests, rats, mice or grey squirrels subject to an overall limit of £150 (including VAT per claim).
For the treatment of bed bugs this cover will pay the contractors charges subject to a maximum of three treatments / extermination and an overall limit of £200 (including VAT) of bed bugs in one infested area in the event of an emergency.