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Laptop Insurance

Find the perfect gadget insurance for your laptop

Jake Edmonds
Written by  Jake Edmonds
5 min read
Updated: 27 Feb 2024

Laptops are an essential everyday item, so when they are damaged, lost, or stolen, you need to get your device up and running again as soon as possible. Here, we assess the ins and outs of laptop insurance and whether it’s an affordable option.

The essential guide to laptop insurance

In an age where technology is an extension of our personal and professional lives, laptops have become indispensable tools. They are not just devices but gateways to our work, entertainment, and social connections. However, with the increased usage comes a higher risk of mishaps. Laptop insurance emerges as a beacon of security in this scenario, offering coverage and peace of mind.

A woman on a laptop on a desk next to a window

Why do I need laptop insurance?

Imagine a day without your laptop. For many, it's not just an inconvenience; it's a major disruption to daily routines. Laptops are pivotal in our lives, serving as tools for work, education, and leisure. But these valuable devices are also prone to accidents and theft. Laptop insurance isn't merely about the financial aspect of covering an expensive item; it's about the assurance that you can swiftly resume your activities without significant loss of time or money.

The high-risk nature of laptops among household items is evident. They can be dropped, stepped on, or even become victims of liquid spills. In the worst-case scenario, they can be stolen or lost. Given these risks, the question isn't whether you can afford laptop insurance, but whether you can afford not to have it.

What does laptop insurance cover?

Laptop insurance is usually part of a gadget insurance policy that can also offer cover for a wide range of electronic devices. This includes:

  • Tablets

  • Mobile phones

  • Digital cameras

  • PC monitors

  • MP3 players

  • CD/DVD players

  • Games consoles

  • Video cameras

  • Bluetooth headsets

  • Satellite navigation devices

  • PDAs/E-readers

  • Head/Earphones

  • Wearable technology, such as fitness trackers

The coverage typically extends to:

  • Accidental damage

  • Mechanical breakdown

  • Cracked screens

  • Liquid damage

  • Theft

  • Loss

  • Accessory cover

Does home contents insurance cover my laptop?

Your home contents insurance does provide a safety net for your personal belongings, including electronics. However, it may not be comprehensive when it comes to your laptop. Accidental damage or loss outside the home might not be included. Additionally, a high-value laptop could surpass the single-item limit of your policy unless you've specifically declared it. It's crucial to compare your options to ascertain whether your contents insurance suffices or if a separate gadget policy is more beneficial.

How many devices are covered on laptop insurance?

A standard gadget insurance policy can cover multiple devices, often up to 10. This can be particularly useful for families, ensuring that everyone's laptops and other gadgets are protected under one policy.

Can my laptop insurance claim be rejected?

Yes, there are scenarios where your claim might not be accepted. These include:

  • No signs of forced entry when a laptop is stolen from your property

  • Laptop malfunctions while still under the manufacturer's warranty

  • Claims related to general wear and tear

  • Claims made within a cooling-off period, typically 14 days after taking out the policy

  • Failure to maintain adequate anti-virus protection leading to a cyber incident

  • Laptops over a certain age, which varies according to the policy's terms and conditions

Will I have to pay an excess?

Most insurance policies come with an excess fee, which is the contribution you make towards a claim. Opting for a premium cover might increase your monthly payments but can significantly reduce the excess fee and provide a more comprehensive coverage.

Compare laptop insurance

When considering laptop insurance, it's vital to weigh your options. A partner site like can be an invaluable resource, matching your details with policy deals that align with your needs. By comparing different offers, you can find a policy that provides the right level of protection at a price that fits your budget.

In today's fast-paced world, a laptop is more than just a device; it's a lifeline to your work, passions, and connections. Laptop insurance is the safety net that ensures this lifeline remains intact, no matter what life throws your way. Whether you're a student, professional, or just someone who loves to stay connected, securing your digital companion with the right insurance policy is a smart move for uninterrupted peace of mind.

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