iPad insurance: is it worth it?
When you buy an Apple iPad, you may be offered insurance for it. But is it worth it? As so often, it depends.
Why choose an iPad insurance?
Insurance for your iPad can make sense. These arguments speak for:
- You probably use your iPad every day, which is why your device is also exposed to all the dangers of everyday life. In addition, like any other electronic device, the iPad wears out over time.
- You should also remember that the iPad is a sensitive product despite the "Gorilla Glass". Water damage, breakage and operating errors can happen. Depending on the model, the replacement of the display alone costs up to 150 euros.
- Many insurance companies offer inexpensive insurance packages compared to the relatively high repair costs. A so-called "all-round protection", which is intended to absorb all damage, is available from many suppliers, depending on the model, from as little as 60 euros per year.
- It stands to reason that thieves like to target objects like iPads. Many criminals are not afraid of the security features of newer iPad versions, which is why selected providers offer theft protection for a relatively small additional charge.
What speaks against iPad insurance?
However, there are also some arguments against iPad insurance.
- You can protect your iPad with suitable accessories such as a smart cover or a protective film. There are also a number of free applications that can help you locate your iPad in the event of theft.
- Many insurance companies state that you pay for all damage. However, some insurance policies often only cover certain types of damage - depending on the damage, you still remain at the expense. Here you should definitely look into the small print and weigh it up carefully.
- Another argument against insurance is that a new iPad model appears almost every year, which means that the older models lose value quite quickly. Nevertheless, dubious providers do not calculate the current market value of your tablet, but the purchase price. As a result, you have to pay comparatively high insurance fees for an older tablet.
Conclusion: iPad insurance is worthwhile if ...
An iPad insurance can therefore be particularly useful for current iPad models. With older models, such insurance hardly pays off, because you can get a similar model for a relatively low price and the insurance costs here can amount to up to a quarter of the purchase price. Finally, it is important that you check the tariff for the scope of benefits such as falls, water damage and operating errors before concluding insurance.
- In the end, you have to weigh up - how often do you break electrical appliances, how urgently do you need the iPad and how often do you use it? You should consider these and other factors before taking out iPad insurance.
- Under certain circumstances, you should also ask your household insurance company whether it also covers possible damage.
Another practical tip will also tell you whether iPhone insurance is worthwhile.