3 Common Misconceptions About Laptop Insurance
Many people who recognize the perks of a computer can see the benefits of purchasing a laptop, but far too few never stop to consider purchasing laptop insurance. However, they couldnt be more wrong about how important it is to properly protect large investments. Without insurance, you could be caught out in the cold should the worst ever happen!
Nevertheless, many people still don’t take the initiative and purchase the policies they need. This is largely due to a few very common misconceptions that are simply that – misconceptions. In truth, good insurance for your laptop is a must-have that you really can’t afford to be without!
1. If you have household insurance or a warranty, you dont need laptop insurance.
Some people feel they’re making an incredibly frugal decision in forgoing laptop insurance, figuring that if anything ever happens to theirs, they can simply file a claim with their existing household items insurance company. Others assume that their warranty will cover their computer if its ever lost or stolen. However, they quickly discover the mistake they’ve made when they do have to file a claim and wind up wishing they could turn back the clock and do differently.
With household insurance, no distinction is made between major items like refrigerators or stoves and personal items like laptops or mobiles. A laptop is subjected to dangers and circumstances that a refrigerator is not, but your insurance company isn’t going to take that into consideration and give you a break if anything happens. A claim is a claim… and any claim disqualifies you for your “no claims” bonus, possibly leading to higher premiums down the road as well.
Manufacturer’s warranties – even very good ones – really only cover possible malfunctions or flaws in the item for a limited time. They won’t be of any help to you should you drop your laptop, leave it on the train, or have it stolen by a mugger. Without insurance, youre stuck covering the entire cost of a new item.
2. Laptop insurance isnt affordable.
Actually, most insurance policies for laptops are incredibly affordable these days. They’re also highly comprehensive, giving you an amazing value for your money. Laptop insurance is certainly a drop in the bucket compared to what it would cost you to purchase a brand new laptop out of pocket if something ever happened! Dont see your insurance policy as an extravagant indulgence. Think of it as purchasing peace of mind and ironclad protection the way smart consumers do!
3. Shopping for laptop insurance is a hassle.
If you think that shopping around for laptop insurance and comparing rates is a huge hassle, you’re not alone… and you couldn’t be more wrong either! These days, tools like the ones I offer on my comprehensive insurance website make comparing and finding great rates a breeze. That means you could have a plan all picked out in just minutes. So whats the hold-up? Find out just how many options there really are when it comes to laptop insurance! You have to see how easy it is for yourself.
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