Replacing your laptop if it is lost or damaged can be expensive, but the right insurance policy can help you cover the costs. To help you find cover, you should think about:

  • What risks you need to protect your laptop against

  • Whether you are already covered by another policy

You can then compare quotes from a range of insurers, to find the right cover for you at the cheapest price.

Find the cover you need

Think about how you use your laptop to work out what level of cover you need. Most insurers can cover:

  • Mechanical breakdown: This covers repairing or replacing your laptop if it stops working. It also covers broken buttons, frozen screens and faulty batteries.

  • Accidental damage: This covers things like cracked screens, dropping your laptop or liquid damage caused by spills.

  • Loss: This covers replacing your laptop if you accidentally lose it, although it may cost extra to add this to your policy.

  • Theft: This covers your laptop if it is stolen forcibly. For example, you will not be covered if your laptop is stolen while unattended in a café.

  • Worldwide: This covers your laptop if you travel abroad, usually for up to 90 days.

If you use your laptop for work, you may need to consider getting a business laptop insurance policy, otherwise you may not be covered.

Are you already covered?

Before you buy laptop insurance, check to see if you are already covered elsewhere:

  • Your warranty: If you just want to protect your laptop against mechanical breakdown, check to see if it is still under warranty. This covers repairs or replacement if your laptop stops working, usually 1-3 years after you have bought it.

  • Home insurance: If you just want to cover your laptop while it is in your home, check your contents insurance. Some policies also include accidental worldwide damage cover, but the excess may be higher than with gadget insurance.

Depending on your circumstances, it may be cheaper to buy separate laptop insurance, because claiming on your home insurance could put the cost of your premium up.

If you are a student, you may also need separate cover to protect your items away from home.