Insurance content

Damage to tablet, smartphone and laptop – is that  insured?
Nowadays it’s rare to go a day without a smartphone, tablet, laptop, phablet, smartwatch or any other music device.
These products have become everyday objects which have grown in today's society. Not so crazy, you are reachable,  you have your calendar and camera but also your minicomputer game in your pocket.

Watching TV in the train or navigation in the car are things that have become usual in our society. Unfortunately, it also sometimes happens that your device slips out of your hands, is stolen, or you end up in a downpour and water damage is unavoidable.
Can you claim an insurance? And what insurance?


Damaged at home

Covering by your insurance is dependent of what kind of damage is made. Whenever external factors occur such as a fire, thunderbolt, or burglary and your insurance has an extensive coverage, it is possible to ask for a compensation.
Only an All Risk insurance or comprehensive home insurance will cover an unintentional damage in most cases. For example, when you  fall and thereby damage your smartphone, or when a child's lemonade mess on your tablet.
To ensure that your all-risk insurance covers damage, it is very important to thoroughly read the policy condition. Its certain that not all smartphones or similar devices will be insured for the fact that they are fragile.


At work

Outdoors you are NOT insured by the contents insurance. That's not to say it is not a possibility. With some insurers it is possible to conclude an "outside the house" coverage. Then you are insured against damage and theft.
Another option is taking out a valuables insurance. That means that your smartphone or tablet will be specifically covered indoors, outdoors and  worldwide.
But again important to read your policy carefully condition. Not all  incidents are  always covered!


On holiday?

If you don’t have a valuables insurance or if your contents insurance doesn’t cover enough outdoors. Then a travel insurance is also possible. But remember that a travel insurance out of own risk only pays a part of the purchase.
Hereby it is also very important to read the policy conditions thoroughly because it’s not  obvious to a travel insurance is that your device is compensated.


The third person damage

For damages by a third person you have a liability insurance. This you can claim is someone else damages your device. When someone else damages your device they can put it under their liability insurance.
A liability insurance can reduce the value of a device. This is a major drawback, since electrical devices quickly lose their value. A financial advisor will also often recommend to recover it on your home contents insurance.


Is an insurance with the effort

A product insurance is not always worth the effort. What is important is to know how much contribution per month costs comparing to purchasing a new device.
You can also make an analysis  of all your risks, and if it’s even needed to spend so much money on insuring your device.