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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.
What is iPad insurance?
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.
How do I insure my 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.
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.
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.
Choose a home insurance policy to cover your iPad
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.
Why should I cover my iPad with home insurance?
- Because AppleCare+ won't cover theft or loss of your device
- Because iPads are high-value and lightweight, two traits that make them attractive to burglars and thieves (and much easier on the back than a TV or desktop computer)
- Because iPads are fragile and can easily be damaged by the rough-and-tumble of life
- Because loss of data like photos, videos and music can be painful, and financial compensation can soften the blow
Policy wording in product disclosure statements
What does it cover?
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.
What doesn't it cover?
Coverage for your iPad may be compromised or unavailable in the following situations:
- You use your device for business purposes or as part of your work. If you do, be sure to check this point with your insurer.
- The actual cost of the iPad exceeds the sum insured amount, which you should always check carefully.
- Your iPad is stolen in a situation where you could have foreseen that it could be stolen (e.g. if you left it in an unlocked car or unattended on your towel while you took a dip at the beach).
- You're outside the home and your iPad is only covered by a home and contents policy; however, portable contents cover is always an option.
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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