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Cheap iMac insurance policies

When something as pricey as an Apple iMac is purchased, you might want to consider taking out an iMac insurance policy to protect this expensive device.

After all, even though your iMac will covered by Apple’s manufacturer warranty for the first year or two, that warranty won’t cover you if your iMac is ever stolen or accidentally damaged.

What kind of iMac insurance do I need?

The policy features and exclusions can vary from one gadget insurance provider to the next, so it’s vital that you check the small print.

Every iMac insurance policy should cover for things like theft or damage caused by a flood or housefire, but some will also cover accidental damage cover, while others might not.

That’s why it’s so important to check each policy’s terms and conditions before you sign up for a specific iMac insurance policy.

Isn’t my iMac covered by my home contents insurance?

Home contents cover may or may not provide you with a full and thorough cover of your iMac, so it’s worth looking into this before you sign up for a standalone iMac insurance policy.

If your contents insurance does cover your iMac it’s important to check its ‘single item limit’, because if this maximum claim amount is less than the value of your Mac you might not be fully covered.

How much does iMac insurance cost?

Insurance for iMacs is usually very affordable, but the premium can vary from one provider to the next. With that in mind, the first thing to do is compare insurance companies for the best deal.

Check exactly what you’re paying for. What does it cover? Just as important, what DOESN’T it cover? There are numerous companies out there that will provide insurance to fit your individual needs.

Should you consider a higher excess to bring the annual or monthly premium down? Consider those all-important optional extras. Will it be covered overseas for example? Will it be covered for accidental damage as standard? Some companies will have a cap on individual item’s worth. Go through it with a fine-tooth comb before signing up for anything. Above all, apart from a possible cash saving, using a comparison site will save you valuable time when you need to do these comparisons.

Repairs vs replacements – what’s covered?

If there is damage that can be easily repaired, and it has been caused by an ‘insurable event’, your iMac insurance will usually take you down that route. On the other hand, if the damage is too severe then your provider will more than likely arrange for a replacement, but it is worth checking the fine details of their new-for-old policy criteria.

Can iMac insurance cover refurbished or second-hand iMacs?

If your iMac has been refurbished by a specialist computer refurbishing company then there’s a good chance you’ll be able to find suitable iMac insurance for it. On the other hand, if you buy a second-hand iMac from eBay, Facebook Marketplace or Gumtree then many gadget insurance companies might be unwilling to insure your iMac.