Cheaper Gadget Insurance ~ Where to get it?
Isn’t it amazing how technology moves on within a generation? I remember when I was younger the first day a kid brought his new pay-as-you-go mobile phone into school, it seemed a bit pointless at the time as he had no one to call but it wasn’t too long before mobile phones were everywhere.
Nowadays our houses are filled with every gadget imaginable. I read this article on The Broke and Beautiful Life the other day where Stefanie talked about her kindle falling – Well being knocked – out of the window by her boyfriend during a period of mild intoxication and she was asking, who should pay for things when these inevitable accidents take place? Well this just goes to show the importance of gadget insurance in the modern world. These things are not at all cheap to replace so gadget insurance is a must. If you don’t shop around for cheaper gadget insurance though then you could find yourself paying way over the odds, especially if you have unintentionally found yourself paying out on separate insurance policies for all of your different gadgets over the years.
Don’t be too disheartened when you find out you’ve been paying too much for gadget insurance though. Instead, take solace and think about all the money you’re going to save in the future by getting gadget insurance for less. So where can you find cheaper gadget insurance?? Here are a few sites you should take the time to compare.
Protect Your Bubble
Due to the TV campaigns Protect Your Bubble is probably the one of the most well known gadget insurers on the market. They protect iPhones, iPads, Laptops, mobile phones, tablets and the list goes on. Best of all they also offer multi gadget insurance so you can save even more money by insuring all of your gadgets together on one policy.
My Gadget Buddy
MyGadgetBuddy.com is another big player in the gadget insurance market and it’s certainly worth getting a quote from them or you could well miss out on a cheaper deal. They’ll cover you for accidental damage, theft, loss, malicious damage, fraudulent calls and they’ll also cover your gadgets if you take them abroad. I should state that Protect your Bubble also offer many of these features so it’s important to spend a bit of time comparing the features of each policy to find the right company for you.
A little less well known perhaps Gadget-Cover.com has been insuring gadgets and mobile phones since 1995 and are by no means a new player on the market. They aim to have claims processed within 48 hours, don’t tie you into a long term contract and they also offer family cover so there’s no need to fight over who broke what. Their policies also offer unlimited claims but as with all things, I’d check the fine print to make sure these features are as straight forward as they seem.
Do you need it?
After years of taking out over-priced mobile phone insurance policies that didn’t even cover me for the most likely accidents, I stopped signing up to for network mobile phone insurance years ago. I figured I was better off just putting the money into a savings account each month. As technology has progressed and gadgets have become much more expensive to replace though, I think gadget cover is now well worth a second look. It’s also worth checking your home insurance policy to see what you’re covered for and more importantly, what the excesses are in the event of a claim. Finally, if you have some kind of premium bank account, be sure to check the special features of that account to see if they include cheaper gadget cover as part of the account or as an add on feature.