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Laptop insurance – things to take into account

Selecting appropriate laptop insurance is not necessarily an easy task.

Here are a few pointers that may help:

  • the excess – this is a sum of money that you may need to contribute towards the cost of any future claims and some laptop cover providers may set larger amounts than others;
  • replacement – the theft or destruction of your laptop may cause major disruption to your personal and professional lives but some gadget insurance providers may be able to minimise this by offering to replace it within 48 hours of claim approval;
  • overseas protection – if you plan to take your laptop abroad with you (for business or pleasure reasons) then you may do so with more peace of mind if you know that your laptop cover includes provision for use outside of the UK;
  • liquid damage – given how easily liquid may be spilled over your laptop (etc), it might be advisable to seek laptop cover that does not exclude damage caused by liquids;
  • theft protection for unaccompanied circumstances – some policies may have a strict condition that the theft of your laptop will not be covered if you left it unattended, by contrast, other policies may be rather more flexible and cover these situations, providing your laptop was securely locked away at the time the theft occurred;
  • accidental damage/destruction – this is not something that all laptop insurance policies will cover but it might prove to be important to you (though policies may typically exclude damage due to certain causes, such as your attempts to modify the laptop).

Do You Take Your Income For Granted?

Many of us take our income for granted. We rarely think what our lives would be like without our steady stream of income, since we’re used to receiving it for so many years. People often feel that personal financial disasters only happen to other individuals.

But that’s not the case. It’s wise to stop and think how would we pay our bills if we were suddenly injured or fell ill. There are some preparation you can take to prevent or diminish this from happening to you.

One of the best financial decisions you can make is to take out disability insurance. This is where in return for paying fixed premiums over time when you’re working, in the case of disability you’ll be able to collect regular payments or a lump sum to help cover all your expenses until you recover.

Disability insurance has been around for some time now. It’s highly effective for most any employed individual. You can shop around for premium and payout information at several insurance brokers who offer it. Look for the highest payouts and the lowest premiums.

You can compare income protection quotes either in person or online. You can also receive printed literature from most insurance companies to compare income protection quotes.

Without this insurance, the loss of your income would drastically affect your life. Unless you had an emergency nest egg of savings that covered at least six months of living expenses, you could be in real trouble.

You might have to try to obtain some money from your relatives or friends, your employer, or get an equity loan on your house and live on that until you get back on your feet.

But the good news is that this insurance is not really expensive. You can qualify for it whether you work for somebody or if you’re self-employed.

The amount you qualify for is based on your current salary, as well as on your age and health condition. It’s vitally important to see if you indeed qualify because you might not be able to pay any of your more pressing bills such as the rent or mortgage, your health insurance premiums, the car payments, or even buy your food.

People of all ages can qualify for this type of insurance. It’s one of the most intelligent financial decisions you could ever make. You might already know someone who collects or has collected this insurance. Ask them exactly how it helped them out so you’ll get more of an idea of how it can help you too.

Just remember, this insurance is meant to cover only temporary loss of income, not permanent. So it shouldn’t be looked at as a weakness that you have to rely on it if and when the time comes.