What Is The Best Macbook Insurance?

We've become a gadget nation. We depend on our macbook to do our jobs, our shopping, and our homework - or just to have fun.

But that makes losing your macbook a major disaster.

Have you thought how much a could cost?

If it's a three-figure sum, you're definitely going to want gadget insurance that will protect you against having your macbook damaged or stolen. Let's find out how macbook insurance works and how to get the best value protection for your stuff.

What is macbook insurance?

Macbook insurance as the name suggests, protects your macbook against accidental damage, theft, loss, liquid or fire damage or mechanical failure depending on the level of cover chosen.

What are the best macbook insurance?

We selected a few providers that propose the best macbook insurance, here are their must-have features:

Insurance company	Number of claims	Worldwide cover	Theft cover	Mechanical breakdown	Accidental damage	Loss cover	Apply
	£2,500	Unlimited trips	Yes	Yes	Yes	Optional	Get a quote with discount
	Unlimited value / 2 claims per policy year	90 days	yes	yes	yes	yes	Get a quote with discount
	£2,500	180 days	Yes	Yes	Yes	No	Go to agency

Do I need macbook insurance?

Repairing your macbook is much more expensive than just insure it for a few pounds per month. Here is a quick summary of main repair types and cost for your macbook:

	Average macbook purchase price	Average repair cost	Average insurance price
Macbook	£1000	£500	£9

Macbook are valuable items both technologically and aesthetically, and can be used for everything: for work or for pleasure. Most commmon macbook risks are water damages, theft, and even unexplained breakage. Buying a macbook every year is really not a priority, that is why taking out a macbook insurance can be a really good idea. Ask yourself: could you afford to pay to replace your macbook if it was damaged or stolen? If not, macbook insurance is worth considering. You should also think about:

• whether you need your macbook to do your job,
• whether you take your macbook out and about with you a lot.

How does macbook insurance work?

You'll pay an annual or monthly premium, in return for which you're covered in accordance with your policy details. If anything happens to your macbook, you can claim on the insurance by contacting the insurer.

What is covered by macbook insurance?

You will be covered as standard for:

• Accidental damage: your macbook will be protected in case of any accidental damage, but it must not be negligence.
• Water damages: often included in macbook policies.
• Mechanical breakdown: this is also often covered in policies.

It may also include:

• Loss and theft, though this is often an add-on and you'll have to pay extra for it. (You probably know if you're a 'loser' - if you are, this cover can be well worth taking. The same goes for accident-prone gadget owners.)

With a more comprehensive cover your macbook could even be insured for:
Short-circuit damage
Unauthorised usage if someone stole your laptop
Laptop travel insurance - worldwide travel for a limited period

What is not covered by macbook insurance?

Here are a few exclusions to your macbook insurance:

• Some insurers won't insure your macbook over a certain age, eg 6 months or 2 years.
• Most insurers won't cover a bought outside the UK.
• You won't be able to insure a you bought second hand, or which has been refurbished.
• And you'll need proof of purchase to insure your macbook
• You won't be covered if you don't take reasonable care.

• Some policies won't cover your macbook if you use it for work. Make sure you check before you take out insurance.

Your macbook won't be covered if it was damaged by a virus or a malware.
If you've left your macbook on a table in a restaurant or left your macbook on the bus, no insurer will pay out on a claim. Some policies will cover you if you leave your macbook in your car, but only if it's out of sight (in the glove box or the boot). If you leave it on the passenger seat, you're not covered.

How much it cost to repair your macbook?

Just repairing a cracked screen can cost over £100.

With over one in ten UK gadget owners saying they've cracked a screen recently, and almost as many saying they've had water damage to one of their gadgets, there are a lot of people heading to the repair shop or to buy a new gadget. And many of those people will be out of pocket. A few pounds a month isn't much to pay to ensure you're protected.

How much macbook insurance cost?

Macbook insurance is around £10, depending on the level of coverage you choose, and on your macbook value. It also depends if you took out accidental damage, theft and loss.
Adding loss and theft will be a little bit expensive, for exemple Protect Your Bubble proposes a macbook insurance without loss from £2,99, when loss is included it is usually around £8, depending on the value of your laptop.

How to cancel my macbook insurance?

There are two different ways to cancel your macbook insurance, depending on whether you want to cancel in the first 14 days, or later.

• The first 14 days after you buy a policy are known as the 'cooling off period' and you have the right to change your mind. You'll usually need to send written notice and include the documents - but phone or email first to give yourself peace of mind and find out if there are any particular requirements.

• After that, things depend on whether you have signed up to a full year or to a monthly rolling policy. You'll need to check your policy documents. If it's a longer term policy you may need to pay a fee to cancel early, and if you've made a claim, you will have to pay till the end of the contract period.

How to make a claim on my macbook insurance?

The first thing to know about claiming on your macbook insurance is that you need to strike while the iron is hot - notify your claim within 24 hours. Some insurers give you even less time, just 12 hours to make a claim.

Your insurer will have a preferred way for you to claim, whether that's by phone, or via an online portal. You'll need to be able to provide the original receipt for your macbook

If your gadget was stolen, you will need to contact the police and get a crime reference number (CRN) to give to the police.

Can I take out a multiple macbook insurance?

Yes, you can have a multiple macbook insurance, here are two examples of multi macbook insurances and their discounts:

• Switched On insurance offers a 10% when insuring more than two gadgets
• i-Digitals proposes 10% off if you insure 2 gadgets and 40% if you insure more than two gadgets

Some insurers offer bigger discounts the more gadgets you add.