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Do I need tablet insurance?
The most capable tablets are very expensive, yet too easy to damage. One slip of the hand could render it useless.
If you’re taking the tablet outside of the house, this small yet expensive device could also prove attractive to thieves.
If you’re not excited by the idea of shelling out hundreds of pounds to repair or replace a tablet, you might prefer to insure it instead.
Yes, your insurance premium will set you back a few pounds per month, but this alleviates the worries of facing a big financial outlay should something bad happen.
What does tablet insurance cover?
Here are the scenarios where you can expect to be covered by tablet insurance.
- Accidental damage. If you unintentionally damage your tablet, your insurance will cover you, provided you are deemed to have taken “reasonable care” to prevent it. This usually includes cracks to the screen and liquid damage.
- Mechanical breakdown. You’ll be covered for any mechanical breakdowns that occur outside of the tablet’s warranty.
- Theft or loss. If your tablet is lost or stolen, your insurer will deliver a free replacement, provided you are deemed to have taken “reasonable care” to prevent it.
- Accessories cover. Some insurers will also cover accessories that are damaged or lost at the same time as the tablet.
Some insurers include cover abroad, whereas for some this is an optional extra that requires an additional premium.
Usage by family members is also sometimes included, though conditions may apply.
What won’t tablet insurance cover?
Exclusions can vary from one insurer to the next, but usually include the following:
- You don’t take “reasonable care” of your tablet. Each insurer’s definition of “reasonable care” will be somewhat unique. There will likely be some example scenarios of this in their terms and conditions.
- Deliberate damage. If you or an immediate family member damages or loses your tablet deliberately, you won’t be covered.
- Leaving your tablet unattended. You’ll be deemed as failing to take “reasonable care” if your tablet is damaged, lost or stolen while outside your line of sight.
- Second-hand tablets. Few insurers will cover tablets that aren’t bought from a high-street retailer, online retailer or directly from the tablet’s manufacturer.
- Old tablets. Insurers will only cover tablets of a certain age. This could be as little as 12 months or as much as 36 months, depending on your choice of tablet and insurer.
- Claims without proof of purchase. When making a claim, you’ll need to provide a receipt, proving ownership of the tablet and how much it cost you.
- Theft or loss claims without a crime reference number. You’ll need to provide a crime reference number for your claim to be processed.
What policy features are included in tablet insurance?
Some policies may cover your tablet when it is in the possession of an immediate family member.
Your tablet may be covered in foreign countries as well as in the UK, although overseas cover may only be made available as a paid add-on.
If these features are likely to prove useful, make sure to seek out a policy that provides this.
Do I need insurance if my tablet is still under warranty?
A tablet’s warranty typically only covers mechanical breakdowns.
If you want to be covered for accidental damage, loss, theft and other situations, you’ll need to invest in tablet insurance too.
How much does it cost to insure my iPad or tablet?
This will mostly depend on your choice of insurer, the cost of your tablet and the level of cover sought.
Some insurers will allow you to reduce your premium by adding a voluntary excess. However, make sure you can afford to pay this amount should you need to make a claim.
How do I claim on my tablet insurance policy?
It depends on your choice of insurer. Some will allow you to make claims online, others require you to phone its claims team.
Either way, you’ll have to give details of your tablet and the incident that led to you making a claim.
With loss or theft claims, you’ll need to provide a crime reference number. With damages claims, you’ll have to send your tablet to the insurer for inspection.
Once this process is completed, your insurer will make a decision on whether to repair or replace the item.
The bottom line
Tablets cost a lot to replace or repair, so for most tablet owners, it will make sense to invest in tablet insurance. You can find the best policy for you by comparing our tablet insurance providers.
Compare tablet insurance providers
Frequently asked questions about tablet insurance
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