I dropped my iPad, is my damage covered by my home contents insurance?
Oh no, you accidentally dropped your iPad. Now the screen is cracked and you can no longer use your iPad. Now you are probably wondering: "Will my home contents insurance cover the damage to my iPad? We explain to you in which cases the damage is covered.
Is damage to your iPad or tablet covered by the contents insurance?
It differs per insurer and per coverage what is and what is not compensated. In some cases, damage to your iPad or tablet will be reimbursed. You should carefully read the 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?
Comprehensive household insurance
There is a difference in the coverage of a standard contents insurance and an extended contents insurance. The standard (home) contents insurance reimburses no damage to your iPad or tablet.
With a comprehensive household insurance you have more possibilities in terms of claiming damage. A comprehensive household insurance reimburses damage caused by fire, water damage, storm and theft. For all other cases you are not insured, so not even by your own actions.
What kinds of contents insurance are there?
Standard contents insurance
A standard home contents insurance does not cover damage to your iPad or tablet. A standard household insurance protects the value of your belongings against damage caused by fire, storm and theft.
Extra comprehensive household insurance
With an extra comprehensive home contents insurance, you cannot claim for your broken iPad/tablet. What is covered with this insurance is, for example, precipitation that enters the first floor of your house via the public road.
All-risk household insurance
With an all-risk household insurance you are insured for damage to your iPad/tablet. Did you drop your iPad/tablet? Then you can claim your damage with this insurance. When you have your iPad/tablet repaired, it is useful to keep the quote. It could happen that your insurer wants to see the quote.
How do I claim damage to my iPad or tablet?
When you have taken out an All-risk insurance policy, you can claim damage to your iPad/tablet from your insurer. A number of things are important if you want to claim a loss. For example, always keep your contact details and policy number to hand.
Proofs
Make sure you have all your supporting documents in order. This way, your insurer can easily see how much damage you have sustained and how much you will be paid. Evidence means: a purchase receipt, a photo of the damage, a damage report from the repairer.
Submit
When you have collected all your evidence, you can start submitting your claim. Nowadays, this is mainly done online via an application form on your insurer's website. If you are not handy with computers, you can always call. Once you have made contact, your insurer will assess whether you will be reimbursed for the repair costs or the purchase price.
Any further questions on this subject?
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 [email protected].
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