Laptop Computer Insurance for Dongle Users - Tech Spartan

Laptop Computer Insurance for Dongle Users

July 19th, 2009

As a dongle user you run a higher risk of loosing your laptop as it is more likely to be lost or stolen. If you use a dongle then it means that you take advantage of the mobility of your laptop and use it on the move. Being able to use your laptop whilst on the move is excellent but every time you leave home or the office with it you increase the risk of loss. With laptops being an expensive asset for most people there is a lot of sense in insuring your laptop. We like the people at Laptop Computer Insurance who recently arranged cover for us and our laptops that we use in the office.

If you use your dongle on the move like we do then it is well worth taking into consideration the increased risk faced by your laptop as a result of this. Whether you are an individual using your laptop computer on the go or a business with employees who use their laptops away from the office you could benefit from the insurance protection offered. A range of laptop insurance cover options are available to suit your personal or business requirements. Cover is also surprisingly cheap and starts from just £2.99 per month.

When considering whether to take out laptop computer insurance there are a number of factors that you should consider. Firstly do you want to insure the laptop up to its full replacement value? You do not have to insure the laptop for the amount that you paid for it but equally you cannot over insure the laptop. As this is not permissible. You are required to provide your laptop model details and we assume that all insurers would then run a cross reference check to make sure that the laptop is not being overvalued. Even insuring your laptop for part of its value will provide the peace of mind of knowing that if you are unlucky enough to break the laptop or have it stolen that you will have a substamtial financial contribution towards the cost of the new laptop. Of course you do not have to go for a laptop that was as expensive as the original.

Al you mobile dongle users out there thinking of laptop insurance should also make sure that you take a close look at the exclusions that the insurance policy comes with. All policies will have some level of exclusions but the key is to make sure that they do not go beyond what is reasonable.

Also, make sure you check what level of excess applies to the policy as this can vary considerably between insurance providers. It is particularly common with the cheaper insurers that a high excess applies. This may make the quote seem attractive but bear in mind that for a pound more each month you could probably avoid the excess altogether. The above should hopefully give our dongle using visitors something to consider. As a final point when looking to by insurance a dongle or anything really make sure you shop around and compare different provider’s options.

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