How Does Laptop Insurance Work?

by

ben green

How Does Laptop Insurance Work?

If you ve just spilt juice all over your laptop, you re probably in a panic as to how laptop insurance actually works!

When you bought your laptop, chances are that you bought some kind of insurance or got 1 year s free warranty with it.

A warranty will typically cover you for technical faults, while insurance will cover you against accidental damage and theft in addition to technical faults. However, some free warranties do give you complete cover for a whole year. So be sure to carefully read your paper work and receipts.

Claiming on Laptop Insurance

For starters, the cost of insurance will vary depending on the model of your laptop. Obviously, the more expensive a laptop is, the higher the insurance cover with be.

Additional supplements may need to be paid for cover against third party fire and theft for example. And some policies may require additional payments if you re only covered for repair or replacement costs up to a certain amount. So always read your policy very carefully.

But if you ve already got

laptop insurance

and you ve got all your insurance information, claiming is easy. If you don t have your insurance information, you may be able to find it through receipts, bank records or emails if you made a purchase online.

Now simply take your laptop with all your paper work to the store you bought it from and explain to the person on the customer service desk (or relevant department) what the problem is and how you d like to claim on your insurance policy for repairs or a replacement.

They will always assess it and try to fix it. But if they cannot fix it they can offer a similar refurbished product or vouchers to the value that was paid for the laptop, plus the remainder of the insurance premium paid.

But once again, carefully read your insurance policy in advance, just in case you need to settle any disputes.

Claiming on Laptop Warranty

Claiming on a warranty is just as easy as claiming on insurance. Simply return your laptop to the store you bought it from with your warranty paper work, including proof and date of purchase.

However, if you re only covered for technical faults on your warranty, you may have to pay extra if the real cause of the problem is accidental damage.

In the case of spilling liquid over your keyboard (probably the most common form of accidental laptop damage), a technician looking to fix a faulty keyboard will know something s up when they find a substantial amount of liquid trapped in the rubber membrane*.

Some stores may be generous and let you have the repairs for free, but most will stick to the letter of the warranty and charge a fee before returning your repaired laptop.

*Lots of modern laptops have a rubber membrane around the underside of the keyboard to prevent spillages from leaking through to the motherboard and other important parts of your laptop.

Laptop Repairs Outside of Warranty or Insurance

If your laptop is outside of warranty and you don t have insurance, you ll need to take it to somewhere to get it fixed by a geek.

For example, one evening I accidentally spilt a whole glass of red wine over my expensive laptop (now you can see where the spillage theme in this article comes from) and my laptop simply stopped working.

I was unable to find my warranty paperwork or proof or purchase and I needed my laptop fixed as soon as possible, because I use it for work – Panic and hysteria ensues!

With no internet access, I call up a friend who suggests I take it to

Geek Squad

, just up the road.

I drove in, they quickly assessed the problem, told me they d have to order in a replacement keyboard. Parts and repairs came to 70. And considering the laptop cost me 700 (and that was on a special offer), I was more than happy with that amount.

A week later I had my laptop back and in perfect working order. Now I make sure I keep all my paper work in a safe place so I don t lose it.

I always make sure that drinks are as far away from my laptop as possible at all times.

As a lover of all things technical, Adam is obsessed with new gadgets and advises on a wide range of technical topics from

laptop insurance

to setting up your Smartphone with the aim to help others to grasp the fact that optimising and fixing your own tech isn\’t as complicated as the manufacturers might make out.

Article Source:

ArticleRich.com