Laptop Insurance

Low cost Laptop and Computer insurance cover from just £5.00 per month

With many more of us purchasing home, business computers and laptops it is an unfortunate fact recently hightlighted has led to an increase in theft and accidental damage. So, protect yourself against theft and accidental damage with cover starting from as little as 16p a day

No claims bonus, have your PC & Laptop "health checked" every two years.

A win win situation and peace of mind for less....

Maximum Protection ... The Computer Cover 1 policy covers any Laptop/Computer up to the retail value of £1000.
The Computer Cover 2 policy covers any Laptop/Computer up to the retail value of £1,500.
The Computer Cover 3 policy covers any Laptop/Computer up to the retail value of £2,500.
The Laptop/Computer must be less than 14 days old, with valid UK proof of purchase (not from online auctions), when the policy is started.

Download the  Terms And Conditions

Read the  Key Facts

What does Supercover Insurance Insure?
We offer insurance on Mobile Phones, PDA’s, MP3 Players, iPods, Satellite Navigation Systems, PSP’s and other portable consoles, Camera’s, Camcorders, Personal Media Players, and Laptops and PC’s

What is GadgetCover?
GadgetCover is a cost effective way to insure those everyday gadgets and consumer electronics that we never leave the house without! Where the average monthly insurance premium on any one item is £5.88, you can insure 3 for £9.99 and 5 for £14.99

Why do I need to insure?
Many of us do not realize the value of the every day items carried in our briefcase / rucksack / handbag. It’s only when something goes wrong and we have to replace these products that we understand the true value, both personally and financially of our every day gadgets.

According to a recent survey by Zurich Insurance, the average person will carry £851 worth of hand held gadgets with them every day, for Londoners, this rises to £1034.

Figures published in 2006 show an increase of 40% in crime rates largely caused by small electronic devices such as ipods, Mobile phones and laptops etc, this is in addition to the
600,000 electronic devices that were dropped in the toilet
400,000 electronic devices were dropped in drinks and the
200,000 electronic items that ended their life in a washing machine

And, did you know that at least one in seven people are not covered by either their home contents specialist insurance – a potential £5bn worth of goods at financial risk every day.

What is covered under the policy?
Theft – including unattended theft from a secure vehicle / secure premises, Loss (mobile phones and PDA’s only), Extended Warranty (not included on Laptops), Accidental Damage (including Liquid Damage), International Cover, Free Mobile Phone Contact Backup & Guarantees a 48 Hour replacement.
Please note; if your policy is a monthly policy and you make a claim within the first 30 days of taking out a policy, you will be required to pay for the year’s premium in advance before we can authorize any claim.

What are the main exclusions?
Leaving the item unattended when it is away from your home
Theft from vehicle or premises where there is no visible sign of forced entry
Not reporting the theft/loss within 24 hours to the police, or, in the case of mobile phones and PDA’s, not reporting the theft/loss to the Service Provider within 12 hours to stop the line and blacklist the handset.
Please view our Policy Wording for full details

Is there an excess fee?
Yes. There is an excess fee for all claims which must be paid before your claim can be approved. If your claim is for a laptop, there is a £75 excess fee for each claim within the UK and £100 for any international claim.
If your claim is for an iPhone, the excess fee is £50 for any claim relating to theft or damage, and £75 for any claim relating to loss. For any international claim, the excess fee is £75.
For all other items, there is an excess fee of £25 for theft / damage claims and £50 for loss claims and £75 for international claims.

Do I need to supply a receipt?
In the event of a claim you will need to provide receipts for all items you are claiming for. The receipt must be in the same family name.

Is there an age restriction on the items I can insure?
The item must be less than 6 months old.

What is the claims procedure?
In the event of a claim you must
Report the theft / loss to the police within 24 hours of discovery
Report the theft / loss of a mobile phone / PDA to your Service Provider immediately, but in any case within 12 hours of discovery
If your claim relates to a faulty item, the faulty item must be provided
Contact us within 48 hours of discovery of any claim

Failure to comply with the above may result in your claim being delayed or rejected

Once all the requested information has been received we will process your claim within 48 hours

Do I have to complete a written claim form?

No. The majority of our claims are processed over the phone however you may claim online if you prefer. Unlike many other insurers, we do not insist on delaying your claim while we wait for paperwork to be posted back and forth.

Who is the policy Underwritten by?
This policy is underwritten by Equity Red Star who is managed by Equity Syndicate Management Limited, which is authorised and regulated by the Financial Services Authority. Equity Syndicate Management Limited is registered in England number 426475. The registered address is at Library House, New Road , Brentwood, Essex , CM14 4GD

When does my cover commence?
Your cover begins when your first premium for the insurance is paid.

How do I claim?
You can make a claim by calling our dedicated Claim Advisors on 0871 222 1130 or writing to
 
Claim Department
204 Cumberland House
80 Scrubs Lane
London
NW10 6RF
Tel 0871 222 1130
E-Mail claims@supercoverinsurance.com

What should I do if I replace my insured item?
You should contact customer services 0871 222 1130 with your new phone details or email claims@supercoverinsurance.com and also post a copy of your receipt to 204 Cumberland House, 80 Scrubs Lane, London, NW10 6RF

How can I cancel the insurance?
Cancellations must be in writing. We do require one month notice. You can e-mail claims@supercoverinsurance.com or write to 204 Cumberland House, 80 Scrubs Lane, London NW10 6RF

If I have a complaint, what should I do?
Supercover Insurance Plc is incorporated in the UK and authorised and regulated by the Financial Services Authority.
We are proud of our reputation for fairness in our treatment of our customers. However, occasionally disputes or misunderstandings can arise.
Any enquiry or complaint you have regarding your policy should be addressed to The Customer Services Director, either by post, to:
Supercover Insurance Plc.,
204 Cumberland House,
80 Scrubs Lane,
London,
NW10 6RF.
Or by email to: complaints@supercoverinsurance.com
Or by telephoning 0871 222 1130
You should provide details of your policy and in particular, your policy reference number, to help with the speedy handling of your inquiry.

In the event you remain dissatisfied please write to
Chief Executive of Equity Red Star.
Equity Red Star,
52 Leadenhall Street,
London,
EC3A 2BJ

After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask the Complaints Department at Lloyd’s to review your case.
The address is:
Complaints Department,
Lloyd’s,
One Lime Street,
London,
EC3M 7HA
Phone: 020 7327 5693, Fax: 020 7327 5225, E-mail: Complaints@Lloyds.com

Having followed this procedure your complaint can be referred to the Financial Ombudsman Service (FOS).
The address is:
South Quay Plaza,
183 Marsh Wall,
Docklands,
London,
E14 9SR,
Tel: 0845 080 1800
(These procedures do not affect your right to take legal action if necessary.)


How will my complaint be dealt with?
We aim to deal with any complaint within 24 hours of receipt however we guarantee that within 5 days of receipt of your complaint you will be contacted by letter or telephone. This will either be a response to your complaint or if we are not able to respond at this time we will inform you of who is handling your complaint, provide a reference for your complaint, and explain why we are unable to respond at this time

If after 4 weeks, we have still unable to resolve your complaint you will receive a further letter informing you of our progress.

If after a further 4 weeks we are still unable to resolve your complaint you will receive a letter explaining why we cannot respond to your complaint. We will indicate when we expect to respond and will provide details of your right to refer your complaint to The Financial Ombudsman Services

Any reference to any of the above will not affect your right to take legal proceedings

I cannot find the answer to my question. What next?
Please email sales@supercoverinsurance.com

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