Easy portability makes a laptop more prone to different types of physical damage. Even a little splash of tea or water could create major laptop display problems and damage the whole system, disrupting important data present on the laptop. This is why it’s always recommended that you have a laptop accidental and liquid damage insurance plan. If you have a Dell laptop, then the accidental damage protection insurance Dell laptops are provided can give you protection against mishandling. Before you purchase laptop insurance, make sure you read all the information available so you can pick the best insurance plan for your needs. Here is everything you need to know about laptop insurance plans so you can give your laptop the best protection possible.
How does a laptop insurance plan work?
For an insignificant yearly charge in addition to a deductible, you can insure your laptop from robbery, theft, burglary and any unplanned harm such as spills and drops. Additionally, certain insurance plans can also cover any fire or power surge harm. Most plans provide coverage within a day of you paying for insurance.
But buying laptop insurance doesn’t cover everything. There are a few things which are not included under the insurance policy such as:
- Viruses
- Wear and Tear
- Software Problems
- Mechanical and Electrical Problems
In what circumstances do you need laptop insurance?
Someone breaking into your property and stealing your laptop is one obvious scenario in which it would be helpful to have insurance which can replace your expensive gadget. There are also many instances where water might spill on your laptop. In such a case, insurance becomes a lifesaver. However, as with other types of insurance, you do need to read the small print in your insurance plan. This will help you understand the terms and conditions of the plan and detect any loopholes before it’s too late. It also helps to first read your warranty card to understand what is covered by it before you take out insurance. With a Dell laptop warranty coverage, your laptop is protected for up to 1 year.
What are the conditions for availing insurance?
Different insurance providers have specific conditions under which you can claim insurance. However, there are certain guidelines which most plans have in common. You need to call your insurance provider within at least 24 hours of the damage taking place. In case of theft or damage due to fire, you will first need to file a police complaint and present the report to the insurance agent. Most insurance plans also do not cover pre-damaged laptops, so it’s advisable that you take out an insurance plan as soon as you buy one.
How important is laptop insurance?
Many people ignore getting an insurance policy to cut costs, but in the long run, lack of insurance might lead to even more expenses. The best standard policies cover a wide range of scenarios which include fires, storms, floods or any other malicious damage. Even if you do have to spend money from your own pocket to purchase an insurance plan for your laptop, the protection from robbery, misfortune or unintentional harm will make it worth the investment. Your selected laptop insurance cover may even help you with the cost of recovering information from a hard drive in case you were unable to keep your laptop virus-free. Before you pick an insurance policy, you should ask if they cover back-up, whether it is secured and assuming this is the case, under what conditions.
Protecting your valuable gadget by paying some extra money at the time of purchase will create a safe future for your laptop. If you are looking to buy a new laptop from a trustworthy dealer, visit Dell Exclusive at one of our many centres across the city. Make sure you ask one of our experts for the various laptop plans available so you can protect your laptop from all harm.
