I dropped my iPad, will my damage be covered by my contents insurance?
Oh no, you accidentally dropped your iPad. Now there are all these cracks in the screen and you can't use your iPad anymore. Now you are probably wondering, "Will my iPad damage be covered by my home contents insurance? We explain in which cases the damage is covered.
Is damage to your iPad or tablet covered by home contents insurance?
It varies per insurer and per coverage what will and will not be reimbursed. So in some cases, damage to your iPad or tablet will be paid for. You should carefully read the terms and conditions of your home contents insurance, so that you know what you are insured for.
In what cases is damage to your iPad or tablet covered/not covered?
Comprehensive Contents Insurance
There is a difference in coverage with standard contents insurance and comprehensive contents insurance. Standard contents insurance does not cover damage to your iPad or tablet.
With comprehensive contents insurance, you have more options in terms of claiming damages. A comprehensive contents insurance reimburses damage caused by fire, water damage, storm/storm and theft. For all other cases you are not insured, including those caused by your own actions.
Taking out household contents insurance? Calculate your premium!
What home contents insurance policies are out there?
Standard contents insurance
So a standard contents insurance does not cover damage to your iPad or tablet. A standard contents insurance policy protects the value your belongings against damage caused by fire, storm and theft.
Extra comprehensive contents insurance
With extra comprehensive contents insurance, you also cannot claim damages for your broken iPad/tablet. What is covered with this insurance is, for example, precipitation that flows through the public road, into the second floor of your home.
All-risk contents insurance
With an all-risk home contents insurance policy , however, you are insured for damage to your iPad/tablet. Did you drop your iPad/tablet? Then you can claim your damage with this insurance. If you have your iPad / tablet repaired, it is useful to keep the quote. It may happen that your insurer wants to see the quote.
How do I claim damage to my iPad or tablet?
If you have purchased All-risk insurance, you can claim damage to your iPad/tablet from your insurer. A few things are important if you want to claim a loss. For example, always keep your contact information and policy number handy.
Evidence
Make sure you have all your supporting documents in order. This way your insurer can easily see how much damage you sustained and how much you will be paid. Supporting documents include: a purchase receipt, a photo of the damage, a damage report from the repairer.
Submit
Once you have gathered all your supporting documents, you can start filing your claim. This is mostly done online these days through a form on your insurer's website. If you are not handy with computers, you can also always call. Once you have been in touch, your insurer will assess whether you will be reimbursed for repair costs or the purchase price.
Any questions on this topic?
Are some things still unclear to you? Do you have more questions about this topic? You can always contact us. You can reach us every working day between 08:00 - 18:00 at the number 085 - 029 5171. Furthermore, you can always send us an email to alpina.nl
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