Macbook insurance

Discover what Macbook insurance is, what level of cover you can expect, plus how you can find the best policy for your needs.

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An Apple Macbook is one of the most expensive laptops on the market, but one slip of the hand could damage it. These small and expensive gadgets could potentially be targeted by thieves if you give them one sniff of an opportunity too. That’s why getting Macbook or gadget insurance is a good idea.

In this guide, we’ll explore the scenarios you can expect to be covered for and how to find the best Macbook insurance for your needs.

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Do I need Macbook insurance?

If the thought of shelling out hundreds of pounds to replace a damaged or stolen Apple Macbook makes you uncomfortable, you’ll probably be attracted to the idea of insuring it.

Macbook insurance gives you the peace of mind of knowing that you won’t face a huge financial outlay in these unfortunate situations.

With that said, it may be that your Macbook is already covered by your contents insurance, if you have it. It’s worth checking whether this is the case both inside and outside the home, though. You may have to specify your Macbook to your contents insurance provider, as it is a high-value item.

What does Macbook insurance cover?

Here are the scenarios in which you can reasonably expect to be covered by most Macbook insurance policies:

  • Accidental damage. You’ll be covered for accidental damage caused to your Macbook, as a result of dropping it or sitting on it, for example.
  • Water damage. If your laptop is damaged due to contact with water, you’ll be covered. You’ll be covered for damage caused by a flood or getting caught in the rain, as well as spillages and other accidents.
  • Malicious damage. If a third party deliberately damages your laptop, you’ll be covered. In some cases, you won’t be covered by malicious damage caused by a member of your household.
  • Mechanical breakdown. If your Macbook breaks down through no fault of your own outside of Apple’s warranty, you’ll be covered. If your warranty is still valid, you’ll be asked to use this to cover the repair costs instead.

Here are the scenarios in which some Macbook insurance providers will cover you as standard, but some may only offer this level of cover as a paid add-on. If you want a policy that includes these elements, make sure to double-check that your chosen insurer provides this level of cover.

  • Loss/theft. If your laptop is lost or stolen, you’ll be covered for the cost of replacing it.
  • Unauthorised usage. You’ll be covered for any financial losses that result from unauthorised usage, up to a maximum limit.
  • Accessories cover. In some cases, insurers will also cover the cost of replacing or repairing accessories that are lost or damaged at the same as your Macbook.
  • Overseas cover. Many insurers are happy to cover you overseas, but this is typically only valid for a maximum number of days per year.

    What doesn’t it cover?

    Here are the scenarios where you’re unlikely to be covered by your laptop insurance:

    • When you don’t take ‘reasonable care’ of your Macbook. If you are deemed not to have taken ‘reasonable care’ to prevent damage, loss or theft, an insurer can reject your claim.
    • Deliberate damage. If you (or an immediate family member) deliberately damages your Macbook, you won’t be covered.
    • If your Macbook is left unattended outside the home. If the Macbook is outside your line of sight and isn’t locked away, your claim for a theft or less is unlikely to be accepted.
    • Old Macbooks. Most insurers won’t offer new cover for Macbooks that are over 12 months old, although some will agree to cover Macbooks up to 36 months old.
    • Second-hand Macbooks. If your Macbook wasn’t bought as new from a high-street retailer, online retailer or directly from Apple, it will be a lot harder to find an insurance company to cover it.
    • If you don’t have proof of purchase. You’ll need to provide this whenever you make a claim.
    • If you don’t have a crime reference number. You’ll need to provide this whenever you make a claim for loss or theft.

    Do I need Macbook insurance if I’m still under Apple warranty?

    If you buy a new Macbook, you’ll automatically be given a one-year AppleCare warranty for free. However, this only covers mechanical breakdowns and battery failures.

    You can choose to invest in AppleCare+, which lasts two years and also covers you for two cases of accidental damage.

    However, if you want more cover than this, you’ll need to invest in third-party Macbook insurance.

    How much does it cost to insure my Macbook?

    The cost of insurance for Macbooks is dependent on the following factors:

    • Your chosen model. More expensive Macbooks typically cost more to insure.
    • Level of cover. The more extensive your cover, the more it will typically cost.
    • Your excess. Some insurance companies will lower your premiums if you agree to increase your excess.
    • Monthly or annual payments. Some insurers will charge interest if you opt for monthly payments.

    How do I claim on my Macbook insurance policy?

    Some insurers allow you to make claims online. Others require you to phone their claims team.

    Either way, you’ll be required to disclose a range of details about your Macbook and the incident that led to the claim.

    If your Macbook has been damaged, you’ll need to send it to your insurer for inspection. If possible, the insurer will organise its repair and send it back to you.

    If your Macbook has been lost or stolen, you’ll need to inform the police and get a crime reference number. Without this, the insurer won’t process your claim or replace your Macbook.

    Most insurers will give you an idea of how long it takes to repair or replace your Macbook after your claim has been accepted. Some pledge to do so within 24 hours in certain scenarios. Others may make you wait for up to 7 days.

    The bottom line

    When you compare the price of replacing a Macbook with the cost of insuring it, it makes sense to invest in Macbook insurance. If you want to compare the best cover options, you can do so using our panel of Macbook insurance providers.

    Frequently asked questions about Macbook insurance

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