Apple's products are renowned for their stylish design, but that doesn't make them any less vulnerable to damage than other gadgets.

MacBooks are thin and light, with high resolution screens. These desirable features also mean they can be easily damaged but expensive to fix.

If you were to lose or break your MacBook, it's not just the cost that would hurt - being stuck without one could be a pain, whether it's for personal use or work.

The right insurance policy could protect you from whatever might go wrong and give you peace of mind. This wouldn't necessarily be the same as you'd choose for iMac insurance, as a laptop's portability means you need to be covered outside the home.

Do you even need insurance for MacBook Air or Pro?

You may already have cover for your MacBook without knowing, so it's worth checking.

Whether this cover provides the level of protection you need, however, is another thing entirely, so you'll need to work out what you want and then check the terms. The main types of insurance for MacBook Pro and Air are as follows:

MacBook warranties

When you bought your laptop from Apple, insurance for MacBook Pro or Air may have been offered as an added extra. Even if you didn't take it out, a limited level of cover in the form of a warranty should have been included.

Warranties are designed to protect you if the product is faulty and stops working and only last for a year, rarely covering loss, accidental damage or theft. If that's not enough for you, you'll need to think about one of the following options.

Home contents cover

If you already have contents insurance, you could add you MacBook onto it. Some policies won't cover you outside your home, so check the terms carefully to make sure they offer the protection you need.

It will also probably increase how much you have to pay each month, so look at how much a separate policy will cost and compare it to what your home insurance provider quotes you to add your MacBook. Don't forget to compare the amount of the excess too, as this can often be high on contents insurance.

Packaged bank accounts

If you've got a packaged current account that charges a fee for some extra features, insurance for your MacBook might be included. Check with your bank that adding MacBook insurance is possible. If they say yes, check their policy will give you the cover you want and find out if there's any extra cost.

Gadget insurance policies

If none of the above are quite right, a dedicated gadget insurance policy could be the best solution.

Some policies are specifically designed for laptops; these are designed to cover the types of claims you might need to make if your MacBook goes wrong, and they also tend to provide a low excess.

But if you have other gadgets to insure too, your cheapest route could be one policy to insure them all.

Features to look for in Mac insurance

All of the following features can be handy, but the more cover you go for, the pricier the policy. It's therefore important to work out which you actually need before you start looking.

Breakdown

With anything electrical, there's always a risk the device will break, and computer systems are especially vulnerable. As well as hardware and software problems, there are viruses and the like to contend with too. Breakdown cover will allow you to have your device fixed if it stops working - or even pay for a replacement if it can't be mended.

Theft or loss

Like most of us, MacBooks aren't designed to be tied to a desk for all their lives. But taking them out of the house can mean that some policies - especially of the home insurance variety - won't cover them.

You're much more likely to lose a MacBook when you're out and about or even have it stolen. Think about where you'll be taking it when you decide if it needs to be covered for theft and loss.

Cover abroad

As good as it is to avoid working on holiday, you might still need to take your laptop abroad with you. You'll also most likely need your trusty MacBook if you go abroad for business. Nonetheless, the risk of theft, loss or damage increases significantly when you're travelling, especially in unfamiliar places. If you're likely to take it out of the UK, make sure that the policy you go for will cover you if anything does go wrong.

Accidents

It doesn't take much to damage laptops: dropping them, spilling your coffee, or even shutting the lid when there's something on the keyboard can all cause varying degrees of destruction - especially to the screen. If you want to be covered, only go for policies that will replace your MacBook in case of any slapstick lapses of dexterity.

Cover limits

The maximum cover offered - that is, the most that the insurer will pay out if you need to make a claim - will vary from policy to policy. Ideally, this amount should be enough to replace your MacBook if it ends up beyond repair.

Excess amount

Each policy will state its excess - the amount you'll have to pay towards the total cost when you make a claim. Often policies with lower premiums will charge a higher excess, but the cost of a claim can hardly be worth it if the excess is too high, so keep an eye out for how much it is.

Compare Apple Mac insurance

When you've got your head around what features you want, find some policies that cover all of those. Try our MacBook insurance comparison to find as many suitable policies as you can - only then should you consider the price of each one to find the cheapest.