iPad insurance

Whether your tablet is at home or out and about with you, iPad insurance can cover it in the event of unexpected loss, damage or theft.

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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.

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.

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.

Name Product iPads Portable Contents Cover Accidental Damage to Home or Belongings Fire, Storm & Theft Damage Online Discount
Budget Direct Contents Insurance
20% of your contents sum insured
Optional
Get 15% off your first year's premium when you buy a Budget Direct Contents insurance policy online. T&Cs apply.
Coles Contents Insurance
Optional
Optional
Save 10% on Coles Contents Insurance when you buy online. Also, get double flybuys points at Coles Supermarkets. T&Cs apply.
Westpac Contents Insurance
Get 15% off the first year of your policy when you buy online. Use promocode: COVER. T&Cs apply.
St. George Contents Insurance
Save 15% on the first year of your policy when you buy online. Use promocode: COVER. T&Cs apply.
Youi Contents Insurance
Not mentioned
20% of your contents sum insured
Optional
Virgin Contents Only
20% of your contents sum insured
Optional
Save 15% on your first year’s premium when you buy a new eligible Virgin Contents Insurance policy online. T&Cs apply.
Domain Contents Insurance
Up to specified Value
Get 12% off your first year's premium when you purchase a new Domain Contents Insurance policy online. T&Cs apply.
ANZ Contents Insurance
25% of your contents sum insured
Optional
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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

Brand Here's what the PDS says
ANZ logoFor any one item, pair, set, collection or system of general contents items, we will pay up to the sum insured. The general contents covered by your Policy are listed in the table below:
  • portable electronic devices including, mobile phones, smart phones, GPS, tablet computers and laptops…
St. George logoThe following items have a maximum amount payable for any one claim. The amounts are listed below and are included within your contents sum insured…
Electronic audio, visual and computer equipment (portable electronic and communications equipment including mobile phones, tablets, organisers, handheld navigational equipment and MP3/MP4 players, or…)
Westpac home insuranceThe following items have a maximum amount payable for any one claim. The amounts are listed below and are included within your contents sum insured…
(portable electronic and communications equipment including mobile phones, tablets, organisers, handheld navigational equipment and MP3/MP4 players, and…)

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.

FAQs

Bottom line

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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