Choose your computer insurance astutely

Computer Insurance is fairly wide in its compass these days. Anything and everything from desktops to Personal Digital Assistants (PDAs) is covered. Even server computers come under this insurance.

Most policies insure your PC for inadvertent damage, but the terms and conditions should be well-read before investment as it varies according to the usage of the PC. Check if the company offers insurance for damage caused from sand or snow.

Many companies are out there who are specialized in providing insurance for computer accessories. To speak another way, it will tailor your needs to serve you better.

Check out these terms and conditions before nodding yes to a plan

o Water insurance: this is a vital feature since one of the most common causes of damage is water spillage. But it’s not always included in policies. So, check out if your computer insurance has it. if it is not there, either pay some extra bucks to avail or visit the next shop.

o Method of payment: if you are a pocket-wise person, try to know the mode of payment. Try to find out the flexibility of payment. See if you can go on a monthly, quarterly or annually payment mode, whichever you wish.

o Claims and after-sales service: when computers break down, you need an early repair or replacement. So, go through the company profile and terms patiently before you take up the final decision and ensure that they are at your help 24x7.

o Add other items to the insurance: PDAs, external hard drives, photographic equipment should be taken in the final quote. You know there’s an old say- ‘always try to kill a few birds with one stone’.

And last but not the least, always keep all your papers in hand as they are the only friends to get your money back.


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