One of the biggest benefits of tablet PCs, such as Apple's iPad, is that are lightweight enough to be taken on the go. But with prices around £400, it'll be a costly mistake if you misplace, accidentally damage or are even unlucky enough to have your tablet PC stolen. This applies to any gadget for that matter, whether it's your digital camera or your smartphone. However, there are a number of ways to insure your gadgets giving yourself an extra layer of protection should you run into trouble.
It's worth considering with a dedicated gadget insurance policy from firms such as Protect Your Bubble or Insure and Go. Specifically aimed at high-tech devices, these policies start from as little as £1.49 per month and protect your gadgets against accidental damage, liquid damage, theft and breakdown among other things. It's worth noting though that not all policies cover loss, so check the terms and conditions before you commit. There are whole websites now dedicated to iPad insurance.
Protect Your Bubble has also joined forces with reward and return service TagBak, that provides a tag that can be stuck to their back of a device, that is then also registered online. If the gadget is lost, the finder simply uses the contact details on the tag to alert TagBak about the device's whereabouts. TagBak will then arrange the return of the gadget back to its rightful owner while the finder is rewarded by the TagBak team for their help.
TagBak costs £12.95 a year, but Protect Your Bubble customers can get up to three gadgets registered on TagBak free of charge. Here's how to insure your gadget with Protect Your Bubble.
Visit the website and from the drop down list select the type of device you want insured. Then enter the make, model and estimated value of your device. Within seconds you'll be given an on-screen quote, which includes one month free. Press Next.
Next, you'll be asked to chose either to purchase the monthly direct debit option, or pay the annual policy up in one go.
Enter your contact details, followed by your payment details, just like when making any other online purchase. Then you'll be issued with an online confirmation (that's also sent in email form). According to Protect Your Bubble, the process usually takes just two minutes.
It's also worth remembering that many home contents insurance policies will offer accidental damage cover that includes devices such as laptops and tablet PCs when in your home, while Personal Possessions add-ons protect your personal effects, including your gadgets, when you're away from the home. Depending upon your policy and the excess you've elected to pay, you may get a better deal by selecting these optional extras to cover your iPad, digital camera or smartphone. Contact your home insurer and ask what options they offer and whether your devices could be covered.
Gadget insurance sites will cover your smartphones as well. However, if you're on a monthly contract, your mobile network will also offer you insurance for your handset and in many cases it can be added to your monthly bill from the network. Alternatively, if you have a 'loyalty' current account from your bank, check what benefits you receive, as along with travel insurance, many banks provide smartphone insurance either for free or for a reduced rate.