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iPad devotees know that their tablets are valuable on multiple levels – including straight cash value.
Unfortunately, iPads – like most fragile, high-value items – are especially vulnerable to theft, loss and accidental damage.
iPad insurance can protect you from these calamities by helping with the repair or replacement costs involved when the unexpected hits your device.
iPad insurance can protect you from a range of iPad-related misadventures – cracked screens, water damage or theft – and greatly lower the costs of repairing or replacing the device, which can be significant for the uninsured.
This guide will explore a few different options you can choose to cover your iPad.
Home and contents insurance
If you have a home and contents insurance policy, your iPad could be covered under that. Check your product disclosure statement (PDS) to see if there is a limit for tablets.
Different home and contents policies offer different levels of cover for tablets, and the maximum amount that you can insure your iPad for may depend on whether you take out premium or basic cover. Some policies will offer new-for-old replacement cover, while others will provide coverage up to a specified amount.
Contents insurance
You can also take out a contents insurance policy if you want cover for your iPad and the rest of your belongings. You'll also be able to add-on portable contents cover so your iPad is covered inside and outside your home. If you get a really good policy, it might also cover your iPad for loss or damage while you're overseas.
Single item insurance
Single item insurance allows you to insure selected items – generally including iPads – to specified, pre-designated amounts, rather than the whole array of things that general home and contents insurance covers.
Sometimes called personal valuables insurance, it can be a great choice for those who are mainly concerned with insuring certain high-value things – tablets, laptops, speaker systems, smartphones and so on. If that describes you, single item insurance might be a suitable and cost-effective option.
Applecare+
You should consider taking the first step towards protecting your iPad within 60 days of buying it: that's the amount of time Apple gives new users to sign up for AppleCare+, its technical and repairs service, which you can do via your device or at an Apple Store. You're generally covered for technical faults and two incidents of accidental damage (like a cracked screen), but you won't be covered for things like theft or loss.
iPads can be covered by your contents insurance policy if the damage/loss is caused by an insured event, up to a certain limit.
Double check your product disclosure statement to make sure you understand when you're covered and when you're not.
It's really hard to claim something is the best for everyone since it's based on your unique situation. In saying that, here are a few things that we think are important when looking for the best cover for your iPad.
If you're trying to find the best cover, it might help you to check out our page to getting the best home insurance as well.
Depending on the type of coverage you take out on your iPad, insured events for home and contents insurance generally include fire and smoke damage, burglary and theft, storm and impact damage, vandalism and accidental damage (including dropped devices).
Single item policies are likely to cover similar events in the home, and portable contents coverage similar events outside of the home.
Accidental damage can help cover your iPad if you're prone to accidents. It can cover things like those annoying drops and damage from overly excited kids. It's usually found as an add-on with home insurance policies, so don't forget it!
If an intruder gets into your home and steals your iPad, a standard home insurance should cover it.
There are a few instances where you won't be covered for theft;
If you're lucky, your policy may also cover you for depreciation, or replace your iPad with the latest version. Make sure to keep your receipts and try to have supporting documentation like photos to show ownership.
Coverage for your iPad may be compromised or unavailable in the following situations:
Whether you mainly use it at home, while lying on the beach, while on holiday or while in transit, giving your iPad the protection it deserves will give you valuable peace of mind.
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Picture: GettyImages
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