Considerations for insuring your iPad
Your first instinct might be to think that you’re safe and that you don’t need insurance to cover your Apple iPad because you have a manufacturer’s warranty! In the case of a technical failure, then you’re correct. But unfortunately, the warranty doesn’t cover you for things like accidental damage or theft. Taking out contents insurance with the right level of cover can help to protect you in the event of a mishap, and so is definitely worth considering. Be sure to check your level of cover on your contents insurance.
For example, the majority of contents insurance policies will cover you for damage caused by a major peril such as a flood, fire or theft. An extra layer of cover called accidental damage would cover your iPad if it was dropped in your home for example. There is also an option to add a further layer of cover called personal possessions insurance, this would cover you if your tablet was taken out of the home and was stolen or damaged.
Being careful doesn’t always guarantee that your iPad will be safe from drops, bumps, and spills, either. In fact, the vast majority of issues with iPhones occur because of accidental damage and it isn’t necessarily going to be a different story with tablets.
Do remember that some insurance providers have caveats to what they will, and what they will not insure under contents insurance. Some things to watch out for are:
- Gadget age limits
- Theft cover may be optional
- Liquid damage may not be covered
- Various gadget eligibility requirements may need to be met