Tablet insurance

Key takeaways

• Tablet insurance is a type of gadget insurance for tablets like iPads and Kindles that helps cover repair or replacement costs if your device is damaged or stolen

• Check if your home insurance or manufacturer’s warranty already provides some coverage

• Dedicated tablet insurance can fill gaps not covered by other policies, such as theft outside the home or accidental damage not included in warranties

• Many policies allow you to insure multiple gadgets under one policy, which can be cost-effective

In an era where tablets have become an integral part of our daily lives, the thought of them getting damaged or stolen can be unsettling.

From streaming our favourite shows to managing work tasks, these portable devices are constantly at our side, making them susceptible to the occasional mishap.

This is where tablet insurance comes into play, offering a safety net that can help cover repair or replacement costs.

Embracing insurance for your tablet can provide that much-needed peace of mind for when the unexpected occurs. It's not just a luxury but a practical step towards safeguarding one's digital life.

What is tablet insurance?

Tablet insurance is a type of gadget insurance you can take out to cover your iPad, Kindle, or another tablet in the event that it becomes damaged or stolen.

It's a specialised form of insurance designed to cater to the unique needs of tablet users, ensuring that their devices are protected against a variety of risks.

Whether you're a casual user or someone who relies on their tablet for business, insurance can be a smart investment.

Do I need insurance for my iPad or tablet?

Before you rush to purchase a separate insurance policy, it's wise to assess your current situation. You might already have some level of coverage without realising it.

For instance, home insurance policies often include gadget cover, which may extend to your tablet. Additionally, new tablets typically come with a manufacturer's warranty that can last up to two years, covering defects and sometimes accidental damage.

Look at your contents insurance

It's not just your home insurance that might have you covered. Your home contents insurance may include gadget cover.

However, be mindful that there might be a limit on the value of single items covered by the policy. Premium bank accounts and certain credit card benefits can also offer gadget insurance, so it's worth checking these before taking out a separate policy.

Gaps in existing coverage

After reviewing your existing insurance, you may discover gaps in coverage that a dedicated tablet insurance policy could fill.

For example, you might find that your home insurance doesn't cover theft outside the home, or that the manufacturer's warranty doesn't include accidental damage.

Do I need tablet insurance if I’m a student living in halls?

For students living in university accommodation, the provided insurance might not be as comprehensive as you need.

If your home insurance doesn't extend to belongings in student halls, personal tablet insurance could be a more secure option to ensure your device is protected.

Some universities provide a basic level of contents insurance for students living in halls, which comes with limitations.

Can my tablet insurance cover multiple devices?

Yes, many tablet insurance policies offer the option to add multiple gadgets to a single policy, including smartphones, laptops, smartwatches, and other personal electronics.

This can be a cost-effective way to insure all your devices under one umbrella, potentially saving you money and simplifying the claims process.

What does tablet insurance cover?

When looking for the ideal policy, you'll want to ensure it covers a wide range of scenarios. Here's what a comprehensive policy might include:

• Loss

• Theft

• Accidental damage

• Malicious damage

• Liquid damage

• Overseas cover

• Accessory cover

• Unauthorised usage

• Family cover

• E-wallet cover

• Mechanical, electrical, and software breakdown

What isn’t covered by tablet insurance?

It's just as important to know what's not covered by your insurance policy. Common exclusions can include:

• Previous damage

• Cosmetic damage that doesn't affect functionality

• Viruses and malware

• Tablets beyond a certain age

• Second-hand tablets

• Tablets purchased abroad

• Claims made too soon after policy initiation

• Excessive claims

Does tablet insurance cover cracked screens?

A cracked screen is one of the most common tablet mishaps, and most insurance policies do cover accidental damage, which includes screen damage.

However, if you're someone who rarely experiences such accidents, paying for repairs out-of-pocket might be more economical than paying for insurance.

How much does it cost to insure my iPad or tablet?

The cost of insuring your tablet can vary based on several factors, including the make and model of your device, the level of cover you choose, how often you pay (annual vs. monthly), and the excess payment amount.

It's essential to weigh these factors when considering insurance. For those who take extra care of their devices, paying out-of-pocket for occasional repairs could be more cost-effective than paying for insurance.

Compare gadget insurance quotes

To find a policy that's both affordable and tailored to your needs, it's beneficial to use comparison services like MoneySuperMarket.

You can compare premiums, claim limits, and the specifics of what each policy covers. The goal is to strike the right balance between cost and the level of protection to ensure you're getting the best possible insurance for your tablet.

In today's connected world, a tablet can be a lifeline to work, entertainment, and social interactions. Whether you're a student, a professional, or simply someone who enjoys the convenience of a tablet, insurance can be a valuable asset.

By choosing the right policy, you can maintain your digital connection and have confidence that your device is protected against life's unexpected moments.