How to in­sure

Mac Format - - PROTECT YOUR MAC -

It’s tempt­ing to as­sume that any theft or dam­age to your pre­cious Ap­ple gear will be cov­ered by your home con­tents in­sur­ance, but read the fine print of your pol­icy be­fore as­sum­ing that to be the case. You may find there are gaps – such as no pro­tec­tion against ac­ci­den­tal dam­age, or cover that’s limited to within your home only. Even where cover is specif­i­cally pro­vided for mo­bile use on the road, you may find the ex­cess is higher than the cost of the item you need to re­place.

If your cur­rent home in­sur­ance pol­icy doesn’t pro­vide enough cover, start by con­tact­ing your in­surer to see if the miss­ing cover is avail­able, and at what cost. Then look around to see if you can get a bet­ter deal else­where – banks of­fer­ing paid­for ‘pre­mier’ cur­rent ac­counts of­ten pro­vide an op­tion for en­hanced mo­bile in­sur­ance as part of your monthly fee, for ex­am­ple, but make sure the cover has been ac­ti­vated be­fore re­ly­ing on it.

You could also con­sider self-in­sur­ing your phone by putting away a small sum in a sav­ings ac­count each month to act against the cost of re­plac­ing a dam­aged or lost phone. Al­ter­na­tively,

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