iPad piece contents insurance: what you need to know
Is your iPad broken or dropped? Then the damage is covered if you have contents insurance with additional coverage for mobile electronics. Contents insurance compensates for damage to your belongings indoors, for example, due to fire, theft or an accident. Damage caused outside the home is not covered.
Extra comprehensive contents insurance
Home contents insurance insures your possessions in your home against damage from sudden and unexpected events, such as fire, burglary or water damage. Standard contents insurance reimburses damage to your household contents, but not to mobile electronics such as tablets or laptops.
Do you want damage to your tablet to be compensated? Then you don't need separate insurance, but you can take out additional coverage for mobile electronics within your contents insurance. This additional coverage is therefore part of your household contents insurance and extends coverage for damage that occurs in the home to cell phones, laptops and tablets.
Examples of situations that are insured
- iPad gets damaged by fire in house.
- The iPad suffers damage as water flows into the house.
- The iPad is stolen in burglary or theft in the home.
- The iPad accidentally gets damaged in the house by a fall or bump.
Examples of situations that are not insured
- Intentional or reckless conduct
- Wear and tear or old age
- Careless use of the device
- Damage incurred away from home, such as while traveling or on vacation
Mobile electronics outside the home
Do you often use your tablet, laptop or smartphone away from home as well? Damage incurred there is not covered by standard contents insurance. Some insurers offer additional out-of-home coverage with mobile electronics coverage for this purpose. This also insures you if something happens to your device on the road. Handy if you take your device with you regularly.
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How the insurer assesses damage to your tablet
After reporting the damage, the insurer will assess the best solution: repair or replacement. A licensed repairman will look at the damage and prepare a damage report.
This is how reimbursement works:
- Can the iPad be repaired? If so, the repair costs will be reimbursed.
- Is repair not possible? Then you will be reimbursed the purchase price or the current value.
The amount of compensation depends on the age and condition of the device and what is included in the policy terms and conditions. These often also state whether the compensation is based on the new value or current value and whether a maximum amount applies. Always read these carefully so you know exactly what you are insured for.
Excess for damage to your iPad
Some insurers have a deductible per claim. This means that you pay part of the claim amount yourself. The higher the deductible you choose, the lower your premium will often be. Choosing a deductible is not mandatory, but it can help lower your monthly expenses.
Report damage to your iPad to insurer
You can easily file the claim with your insurer or advisor.
Have the following information ready before filing the claim:
- Your policy number and policy schedule, if applicable
- The purchase receipt from the iPad
- Pictures of the damage
- The repairer's damage report
After the claim is made, the insurer looks at whether the damage is insured and what compensation is involved. Sometimes they are asked to show how the damage occurred, especially if there are instances such as theft or loss.
Frequently asked questions about iPad damage and all-risk contents insurance
What does home contents insurance with mobile electronics coverage cover in the event of damage to an iPad?
Contents insurance with additional coverage for mobile electronics covers damage to your iPad due to sudden and unforeseen events. This applies, for example, to falls, bumps or other accidents in the home.
Always check your policy and policy conditions to see exactly what is reimbursed, as this can vary by insurer.
Is a broken iPad insured if dropped or bumped?
Yes, fall and impact damage to your iPad in your home is covered if you have contents insurance with additional coverage for mobile electronics.
Is damage to an iPad due to your own fault covered?
All-risk contents insurance with additional coverage for mobile electronics offers the most comprehensive coverage for your belongings. This insures you against virtually all damage. Even if you cause it yourself. Think of a fallen glass of wine on your laptop.
Do I need additional coverage for my iPad?
Yes, for damage to your iPad, you need the additional mobile electronics coverage. Standard all-risk contents insurance covers damage to your belongings in your home, but not to mobile devices such as iPads, laptops or smartphones.
If you also want to be insured outside the home, such as while traveling or on vacation, then you need out-of-home coverage.
Is an iPad outside the home also covered by contents insurance?
An iPad is not routinely covered outside the home. Damage or theft outside the home requires additional out-of-home coverage with coverage for mobile electronics.
How high is the compensation for a broken iPad?
The amount of compensation depends on the policy terms and the daily value of the iPad. Insurers usually apply depreciation based on the age and use of the device.
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