Gadget Insurance

We are living in an age where gadgets are an important part of our lives, helping us to run our work, home and leisure activities smoothly. Small electronic devices such as MP3 players, laptops, blackberries, mobile phones, portable DVD players, digital cameras, hand held TVs, headphones, radio, speakers for MP3 player, fitness monitor, camcorder, bluetooth headset, speed camera detector, sat navs and other essential items are stuffed into our pockets, rucksacks, briefcases and handbags and carried around with us most of the time, leaving them exposed to damage, theft or loss.

A leading insurance company has assessed that the average person carries gadgets, gizmos and technical equipment to the value of £850, and that is an awful lot of expense to face if the worst comes to the worst. Figures published in 2006 showed that 600,000 electronic devices were dropped down a toilet, 400,00 dropped into drinks and 200,000 got washed in a washing machine, which goes to show that accidents can happen, even when you are extremely vigilant about protecting your gadgets from theft or damage.

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Gadget Insurance Offers

There are many gadget insurance deals on offer and it is sensible to research these until you find the best policy to suit your requirements. Most gadget insurance policies include theft from a secured vehicle or premises, loss, accidental damage including water damage, extended warranty on certain items but often excluding laptops, 48 hours replacement, international cover and free no claims bonus. You can find deals for a single item, or a variety of multiples of 3, 5, 9 and so on, so that with the increase in items to be insured, a reduction in insurance costs per gadget occurs.

Average costs for gadget insurance on 3 items starts at around £6.99 per month, and this is an economical option when compared to laptop insurance at around £7.50 per month. There are some competitive deals to be had. For example, you may find that gadget insurance companies offer 1 months cover free when you pay monthly, and 2 months cover free when paying annually.

It is important to check the finer details of gadget insurance policies before deciding which one is best for you. Some policies do not cover water damage for example, and perhaps this is not something that you think you will require. It is also a good idea to check your home insurance policy to see whether it covers your gadgets when they are away from the home.

Consider all the gadgets that you carry around with you on a regular basis, whether on your person, in a bag or in your vehicle. It will surprise you when you calculate the cost of replacing these valuable items and it makes good economic sense to insure them, for your own peace of mind. A few minutes spent researching the gadget insurance deals that are available online or by phone will ensure that you are covered against any unnecessary expense.

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