Finder makes money from featured partners, but editorial opinions are our own.

Laptop insurance

Save money and your files with laptop insurance. Get cover if you’re at home or travelling.

What you need to know:

  • You can get laptop insurance as part of contents insurance which covers all belongings kept at your home – this is often a better value-for-money option.
  • You can insure your laptop with single item insurance – this is usually a cheaper option.
  • If you want protection outside the home, you can add on portable cover to contents or single item insurance policies.

What are my laptop insurance options?

contents insurance

Contents insurance

Contents insurance is designed to cover all the belongings inside your home, including your laptop. If you want to protect specific items you frequently take outside, like your laptop, you can add on portable contents insurance to your policy.


Single item insurance

This is a cost-effective way to insure the items you value most, like your phone or laptop. It's a good option if you only want cover for specific items and you can pay extra to protect your laptop outside your home.

Get laptop insurance with contents insurance

Name Product Do they cover laptops? Accidental Damage to Home or Belongings Theft Online Discount
QBE Contents Insurance
Our verdict: It covers essentials such as fire and theft plus comes with some good perks such as security upgrades after a burglary and up to 10% off your first year.
Honey Contents Insurance
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates the value of your contents. It was also a finalist for the comprehensive category in the Finder Awards.
Kogan Contents Insurance
Our verdict: Good comprehensive cover (issued by QBE). Also, get a 6% discount off your first year plus $10 ongoing monthly credit. T&Cs apply.
Qantas Contents Insurance
Our verdict: Earn up to 20,000 Qantas Points with every Qantas Home Insurance policy you take out by 22 April. T&Cs and exclusions apply.
Westpac Contents Insurance
Our verdict: Provided by Allianz, one of the biggest insurers in Australia. Cover for fire, theft, storm, cyclones and more.

What does laptop insurance cover?

A contents or single item insurance policy can cover your laptop for loss or damage as a result of the following:

  • Accidental damage. This includes dropping it, spilling liquids on it, stepping on it or damaging it in an auto accident. Just remember it won't cover scratches, dings and dents if they don't affect your laptop's performance.
  • Accidental loss. Most insurers will cover you if you lose your laptop but only if you can explain how it happened.
  • Fire, storm and other natural disasters. Your policy will cover most natural disasters. However, many exclude flooding unless you add it on for an extra charge.
  • Theft. Most policies cover you if your laptop is stolen unless you act irresponsibly, like leaving it on a table while you pop into a bathroom or you leave it alone in an unlocked car.

If you go with a standard contents insurance policy, you'll have the added benefit of protecting the other belongings in your home like your mobile phone, TV, furniture and basically any other item kept at your home.

Can I get laptop accidental damage insurance?

Most laptop insurance policies will cover you if you accidentally damage your laptop. However, the damage usually has to be substantial and affect the laptop's functionality.

You won't be covered against scratches, dents and dings, but you can be covered for damaged screens, ports and keys as well as equipment malfunction caused by an accident.

How much does laptop insurance cost in Australia?

Laptop insurance costs around $85 per month, but prices can range depending on how much your laptop is worth, how old it is and whether or not you want it insured outside the home as well. Check out the graph below for an idea of costs.
Laptop insurance graph

Ready to compare laptop insurance?

Your best bet is to get quotes from a few different insurers in order to avoid paying too much. Just make sure you pay careful attention to what each policy offers. You don't want to skimp on the policy features just to save a few bucks.

I want to cover my laptop

Laptop insurance for students

If you're a student, you can insure your laptop using any of the methods outlined in the article. However, it's worth getting a laptop insurance policy that'll pay to help you recover lost data from a bricked computer. For example, Westpac will cover the reasonable costs of re-establishing your records and data lost if your laptop breaks due to an insured event.

If your laptop was given to you by your university or department, you might want to see if it's already covered by the administration's policy before purchasing your own.

How to find the best laptop insurance in Australia

Finding the best laptop insurance in Australia can be easy if you take the right steps.


Decide whether you want to insure your laptop inside the home, outside the home or both.

If you only need to protect it inside the home and you already have contents insurance, there's a good chance it's already covered. If you don't have contents insurance or you want it covered outside the home, you'll need additional cover.


Shop around.

You never know how much prices can fluctuate from one insurer to the next. Ring around to a few home and contents insurers and some speciality laptop insurers for a few quotes. If you already have contents insurance, ask your insurer how much it would cost to add portable contents insurance to your policy.


See if you need specified portable contents cover.

If your insurer considers laptops to be high-risk items or if it's worth a certain amount, you'll have to list it separately on your policy. Give the insurer all the information it needs including make, model, value and proof of purchase.

Laptop insurance exclusions and limitations

Insuring your laptop is a straightforward process, but there are a few traps you'll want to avoid. Here's what to look out for when getting cover:

  • Check the benefit limits on individual items. Even if you have $5,000 worth of contents cover, it might not be enough to cover your $2,000 laptop. For example, you might be limited to $1,000 per item up to that $5,000 limit. If $1,000 won't be enough, you'll have to list your laptop separately and ask for a customised benefit limit.
  • Read the exclusions. There will be some things your insurance won't cover. For example, it's common for insurers to exclude general wear and tear and even damage caused by electrical and mechanical faults. Read the product disclosure statement (PDS) to find out what is not covered.
  • Cover for lost items due to neglect. Most policies will cover your laptop if you lose or misplace it, but many policies will require you to explain how you lost the item. Some will not cover you for lost items if you are deemed neglectful. If cover for a lost or misplaced laptop is important to you, ask your insurer to clarify situations where you will be covered and situations where you won't.
  • Cover for work laptops. Many insurers exclude "tools of trade" (stuff you use for work) under a personal contents insurance policy. However, home office equipment like laptops are commonly allowed in spite of this exclusion. Make sure to ask your insurer for clarification if insurance documents are unclear about how they treat work laptops.
  • Choose your own repairer. If it's important to you that you choose your own repairer, look for an insurer that specifies you can choose your own. Many insurers don't give you this option.
Back to top

Why you can trust Finder's home insurance experts


We're free

You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
expert advice

We're experts

We've researched and rated dozens of policies as part of our Finder Awards. We provide unique insights and our in-house experts regularly appear on Sunrise, 7News and SBS News.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

Frequently asked questions about laptop insurance

More guides on Finder

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our 1. Terms Of Service and 6. Finder Group Privacy & Cookies Policy.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site