What will the manufacturer warranty cover? The average computer will come with a 12 - 24 month guarantee, which usually only covers parts and labour. The parts will only be repaired if they were faulty and weren't caused by the user.
Most insurance purchased will be from a third-party supplier, generally from the store you buy the computer from. Look through their insurance leaflet to see what you'll be covered for and how many years you'll be covered for.
Each insurance agreement offers different benefits, which can include:
- Your computer being fixed and returned quicker
- A replacement computer when yours isn't working
- Vouchers/money to buy a new computer if yours can't be fixed
- Cover worldwide
- Insured for accidents
Your home insurance might cover your computer but contact them to see what it covers. A lot of the time, once you make a claim on your home insurance the yearly price will go up and it might not cover delivery and labour costs.
Insurance is there to give you peace of mind and added security. Without insurance, you'll need to go through the trouble of having to fix the problem yourself or finding a reliable technician. These options can be fairly costly if you need new parts or aren't sure what the fault is.
The price of the insurance will vary depending on how much you paid for your computer and how long you want cover for. It's understandable if you don't want to pay out £100-£200 for insurance after you've just bought a costly computer but a lot of companies will now let you buy insurance within a year of the purchase date or let you pay monthly.
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