The issue of laptop insurance is quite relevant nowadays, and is of current importance to many. This is because of two reasons: globalization, as a result of which we travel more and more every day, and hi-tech development that has given us such portable and sophisticated devices as laptops. Still, the result remains the same - we are traveling with our laptops, and thousands of them are reported lost, stolen or damaged every day. That is why it is essential that you complete your laptop insurance together with your travel insurance.
Some types of laptop insurance provide an extensive 'package' of devices that you can insure automatically together with your laptop or notebook computer, such as a digital camera or a digital camcorder. By accepting a laptop insurance policy, you will be able to replace your lost, stolen or damaged laptop, digital camera or digital camcorder in next to no time.
Most companies do even more providing an annual laptop insurance policy to cover your traveling and when at home or in the office. The insurance for portable laptop computers and cameras is a 12-month policy. The cover is not confined to that on holiday or business trips. This means that all year round this policy will give you peace of mind that wherever you are your laptop and recording equipment are insured.
The deal is good for a number of reasons. First, information you store in your laptop is important by definition, otherwise you would not store it. Second, the hardware itself is important and, sometimes, costly. So, can you afford the cost of losing both vital information and expensive computer equipment? Can you afford replacing your digital camera for no good? Probably, not. Therefore, it makes sense to get some laptop insurance while you still have time.
This value for money policy usually covers your laptop or notebook at rather competitive prices. The sort of cover provided includes accidental loss or damage, fire and theft, and you can add on cover for additional expenses and reinstatement of data. In short, the summary of cover is as follows:
- Accidental loss or damage to the Insured Equipment;
- Includes fire, perils and theft;
- Temporary removal and transit included;
- Portable equipment covered worldwide;
- Optional cover for Additional Expenses and Reinstatement of Data;
- Digital camera cover may be added to your laptop insurance;
- Cover for one, two or three years.
It is understood that the insurance does not cover force majeure cases, as well as cases when equipment is damaged through the user's fault. Thus, be sure to observe the recommendations for using your laptop or notebook computer - keep liquids away from your system, do not put your laptop in a bag with heavy items such as books, and use only approved laptop carrying cases. The insurance does not cover the issues of damage to the system that come from low batteries, so remember to always have a universal DC adapter that powers and charges your laptop in a car or on a plane and can be connected both to airline seats or a standard cigarette lighter plug.