If a fire broke out in your home and all your family members managed to make it out, what would be the top 5 material things that you would save? We’ll take a guess and say that in modern-day Auckland, some popular answers may include wallets, photographs, mobile phones, laptops and more. These items have become integral parts of our daily lives, so it only makes sense that we take the necessary measures to protect them. An example of this is taking out MacBook insurance which helps to fix, maintain or replace your prized Apple laptop if it breaks or gets lost. But is it worth it to invest in insurance?
Breaking Down Why Insurance Exists In The First Place
The insurance industry dates back about five centuries, starting during the growth of marine trade. Sea vessels were vulnerable to losing their stock. To mitigate this risk, the traders would spread the different merchandise across various vessels to reduce the chances of total financial loss. It was this early concept that was the beginning of the insurance industry as we know it today.
A MacBook is no cheap investment. It costs a significant amount of money to buy and, as a mobile device, there is the risk of damage or loss. So it only makes sense to mitigate the risk of losing or breaking it. Enter: the modern-day insurance policy for digital devices.
The Benefits Of Insuring Your MacBook
There are a few benefits to be enjoyed from having an insurance policy, depending on the package you go with. These may include insurance cover in one or more of the following situations:
- Accidental loss;
- Unintentional damage;
- Mechanical failure; and/or
- Theft.
It’s Possible To Insure In More Than One Way
- Applecare Cover:
When you buy a MacBook or any other Apple product, it comes with a complimentary manufacturer warranty of one year which covers electronic failure only. This can be extended to include accidental damage and for up to three years if you choose to buy an Applecare+ package. There is a service fee of NZ$169 to take care of screen damage or external enclosure damage, or NZ$499 for additional damage.
- A Comprehensive Household Insurance Policy:
Depending on the conditions of your household insurance, you could also cover your MacBook under your household items. The terms and conditions that you agree to will determine the extent of cover you are entitled to. Note that standard household insurance generally doesn’t cover your product is they are used in non-household locations or uses (e.g. school, university, or work) – you need to specify those uses in your policy.
- Third Party Accidental Damage Policy:
Most people are familiar with third party extended warranties which you can purchase from your retailer when you buy your Macbook. In addition to those, you can often purchase Accidental Damage policies to cover your valuable machine in the case of spilling a glass of wine over the keyboard or running it over with the car. These policies generally cover the device for most everyday uses so don’t have the limitations of the Household Cover as above.
The above information is general in nature. As always, with insurance policies, you should fully read and understand the policy documentation.
If you’re looking for a reliable place to fix your MacBook under an insurance policy, contact our friendly technicians ASAP!
package with a service fee of NZ$169 to take care of screen damage or external enclosure damage, or NZ$499 for additional damage.
- A Comprehensive Household Insurance Policy:
Depending on the conditions of your household insurance, you could also cover your MacBook under your household items. The terms and conditions that you agree to will determine the extent of cover you are entitled to.
If you’re looking for a reliable place to fix your MacBook under an insurance policy, contact our friendly technicians ASAP!