Electronics insurance can save you trouble

The electronics insurance usually protects the electrical appliances of the private household. It usually also covers the costs if the insured the damage itself Has. Depending on requirements, all electronic devices of the household or only individual can be protected by the electronic insurance.

The electronics insurance usually protects the electrical appliances of the private household. It usually also covers the costs if the insured person has caused the damage himself.

Who does not like to drink a cup of coffee while working on a laptop? Or read a book on the tablet while lying comfortably in the bathtub? In such moments is enough a careless hand movement and the expensive electrical appliance takes a water damage! But in addition to water, an electrical appliance can be damaged in many other ways, such as a lightning strike, incorrect operation or a break. Anyone who has taken out electronics insurance can report this damage to the insurance company and receive compensation.

What damages are covered by an electronics insurance?

Especially electronic devices often have a relatively high purchase price. A pity, if the device will be disabled due to a personal error after a short time. The guarantee promise of the manufacturer usually only applies if the damage is attributable to a production defect. Does that have Buyer damaged the electrical appliance itself, he usually has to bear the following costs himself. Often only electronic insurance covers the costs of self-inflicted damage to electronic devices. For example, companies secure the office technology against the cost of electrical damage, but it makes sense as well to complete the electronics insurance private – for the objects of household effects.

The following risk factors are included:

The general conditions that have to be met generally depend on the conditions of the concluded electronic insurance. From provider to provider These often vary greatly. Therefore, it may make sense to carry out an electronic insurance comparison before concluding a policy. This can for example be made online: Click on desired options in the calculator and compare. The personally suitable offer appears after the first results.

Electronics insurance: Which devices are protected?

In principle, any electronic object of the household can be insured with an electronic insurance. As a rule, the customer has the option two different types of benefits select. For example, there is a property insurance for electrical appliances, in which the customer can specify directly those devices that he wants to insure. The amount of the monthly installment depends on the amount of equipment to be insured and its value. Someone wants basically all household electrical appliances insurance policies are often offered to protect a lump sum, the so-called sum insured. This means that if the costs of a claim are higher than the maximum sum insured, the additional costs will not be paid by the insurer. Furthermore, the customer often has to bear a certain own share, which he has to settle in each individual claim. If the damage is higher than the own contribution, the insurer jumps in.

Electronics: Insurance for mobile devices

Before an extra laptop or tablet insurance is completed, you can check whether the electronics insurance would also take over the damage to mobile devices. These can often be co-insured via an additional option. In addition to laptop and tablet, these include, for example, DVD players, digital cameras and navigation devices. As a rule, many insurance companies also offer individual policies with which to use the Cell phone or the laptop can assure. This is especially worthwhile if a device would extremely increase the sum insured due to a particularly high value. Electronic insurance, on the other hand, often offers the insurance of multiple devices in combination, which may save the customer costs, as he does not have to protect each device individually.

That happens in the event of a claim

Initially, the insured should contact the insurer directly in case of a claim and document the claim. The procedure that should be followed is usually listed in electronic insurance contract documents. Afterwards it is usual that the offerer first sends a coworker, in order to examine the damage at the device. This estimates whether it is still possible to repair the electrical object or if it is necessary to replace it. If the device is to be repaired, the customer can usually do it send it to the insurer free of charge, who sends it after the repairer of his confidence.

If the electrical appliance has to be replaced, the insurance company will usually select a device of the same type and send it to the customer. Depending on the electronic insurance, contractual deadlines have been stipulated, which stipulate how much time the provider may claim for the replacement. For example, some insurers advertise the damage with the Replace the new value. Others offer the replacement amount of the current price for an equivalent model. As an insured person, you should always make sure that the replacement contains at least the same functions as the non-functional device.

Online completion of electronics insurance: private use

Using an electronics insurance privately can make sense if the existing household includes some expensive and new electronics. It is important to consider whether the policy of electronic insurance causes higher costs than, for example, a self-financed repair or replacement. For this, an electronics insurance comparison can provide orientation. One gives online the desired benefits of personal insurance answers questions such as name, address and professional field and the calculator shows suitable offers – the best of the comparison in the first place. If one is convinced of the conditions, one has the possibility to conclude an application for the electronics insurance directly online. This is usually not binding. Only the consent in a concrete contract asserts the insurance conclusion.

Mobile Phone Insurance:

One moment not paying attention and the phone falls on hard curb. Especially with smartphones can quickly burst the display. A mobile phone insurance protects against the costs.

Household:

It burns in the apartment and all objects of household are destroyed – such blows of fate can threaten existence. Household insurance comprehensively secures personal property.

Private liability:

You are visiting, do not pay attention to your own legs and an old, expensive vase is already lying broken on the floor. If you have a private liability, it takes over the cost of such felony.

Mobile Phone Insurance:

One moment not paying attention and the phone falls. Especially with smartphones can quickly burst the display. A mobile phone insurance protects against the costs.

Household:

It burns in the apartment and all household items are destroyed – this can quickly threaten the existence. Household insurance comprehensively secures personal property.

Private liability:

One is visiting, does not pay attention and an antique vase lies broken on the floor. If you have a private liability, it takes over the costs.

Elementary insurance for protection during natural events

Elementary insurance for financial protection during natural events Bad weather alert in Germany. Insure now better and damage from natural events will…
Household insurance comparison: now secure household furniture cheap

Household insurance comparison: How to find the right tariff Fast to the goal: Find out here why home insurance is useful. Also get one Overview of…
Foreign health insurance comparison: now secure travel protection

International health insurance comparison: optimally protected worldwide Table of Contents: A cold, a broken leg, a serious car accident: On vacation or…
Household insurance – compare and conclude cheap!

Household Comparison of more than 200 tariffs including expert reviews calculator Rating customer review 99% satisfied customers Based on 60,000…