Sunday, November 7, 2010

Computer Insurance?


In recent years, as laptop ownership has become more and more mainstream, some people have gone towards purchasing computer insurance to protect their technological investment.

As for me, I've never been tempted to purchase such insurance as the factory warranty is sufficient for me, and I have the ability to open up the laptop or desktop computer and fix myself. When doing so, there's the cost and time factor... does computer insurance ultimately make life easier?

I think it ultimately comes down to the technological ability of the computer owner. If you don't know much, you're better off having a professional service/insurance take care of it. If you are very knowledgeable, it could be more convenient and safe to do it yourself.

What are your thoughts on this?

103 comments:

ArchiePattersons said...

I don't think more insurance is worth it. It's just companies exploiting this rapidly growing market. People forget the responsibilities of the individual-- and how profoundly important it is to back up your stuff on an external drive! After all, insurance can give you your data back!

WoW_Updates said...

I always do it myself didn't need any help by anyone since now :P

Erroneous Maximus said...

I sort of have this form Best Buy.

Digger said...

doesn't seem practical for the home user, but perhaps for businesses.

Han said...

The standard warranty is fine, since I can fix most problems myself. My mother, on the other hand, recently spend too much money on replacing the bloody hard drive, because her warranty ran out and she has the technological ability of a child.

Kartoffeln said...

I really don't need computer insurance, my computer is quite cheap.

laza4liverpool said...

wow i hate insurance what a waste of money
hahaha but i guess we need it

Adrien said...

Insurance for my laptop might be a good idea. Desktop PCs are fairly easy to fix, but I wouldn't know where to start with a laptop.

Lewis said...

now .. this is nice :)

befashionistic.blogspot.com/ said...

oh yea, for women and old people.
they are always scared to screw something up

Bob lehcror said...

Well I just have contents insurance and that covers my pc fine

Classically Trained Nub said...

Most people that get the laptop insurance are using it to get a newer laptop every couple of years. At least that's what I was seeing when I worked retail.

Reilly said...

dont ave one lol dont ned one

Voacaroo said...

You might be right. I don't buy an insurance when I buy stuff, because I don't want to pay for something I might not use.

Alex said...

my thoughts exactly

Eric said...

Haha computer insurance I shoulda thought of this. I dont think I would ever get insurance for a computer.

Eric said...

I dont think I would ever get this my computer is safe in my arms.

kennett4 said...

i think if its a home pc thats over a £1000 then you should insure it, If its a business comp/s then you should have insurance that covers it any way

Nudelsalat said...

great post & really awesome blog :)

iMonei said...

i agree, a technical guy can fix most stuff himself

Venet said...

Good info!

rominoutozor said...

Nice idea, but I don't have enough money

Quinn Electronics said...

good idea to get computer insurance

Green_Magix said...

My computer is insured under my house insurance before that it was insured under my renters insurance.

Kimokik said...

I agree with you, I don't need to consider the insurance.

Zoy said...

Search on the Internet for tutorials and guides to fix the problem, or ask one of your computer skilled friends to take a look at the problem.

Nostalgist said...

as long as you don't own a very expensive system, i believe you don't need insurance for standard pc/laptop ..

Matte said...

Why not? :D

textileengineer said...

It may be useful for servers.

LoneIslander said...

I don't need insurance since I know how to not destroy a computer. All I need is my warranty.

Paul said...

I have a few friends who get insurance on their macs and iphones. Personally i would only get insurance if I was taking my laptop out into public more then i do. Accidents happen alot

anon1337 said...

wow, that gives me something to think about.

Pig Disgusting said...

computer insurance is a waste of money

ilikeicecream said...

i think computer insurance is good

comradejoker.blogspot.com/ said...

Technology insurance I believe would benefit the non-tech savy, average person that owns several computers.

Jim said...

I suppose it also has to do with cash available. As for me, I keep around one technologically gifted friend just in case something goes wrong with my laptop lol.

VGBlogger said...

im careful enough with my lap top that i dont think i would ever buy insurance

NarwhalMinded said...

Eh, my laptops have always died the day the warranty was up anyway. I always would rather spend $1K on a new one than $600 in repairs on my old one.

Gorlotch said...

I've always been tech savvy enough to be able to handle computer issues myself, so I never went with insurance plans

Shutterbugz said...

I don't think I would go to the length of computer insurance but perhaps if I had a really super expensive system I would consider it

rebekillah said...

hmm..i'll think about it

Sykefu said...

i'm thinking the same way as you. since i can fix like 80% of the problems myself i don't feel like paying any insurance.

KTOTHES said...

I just buy a cheap lappy, Worse comes to worst I'll buy a new one. :D

Ben said...

I'm good with comps so its never a problem for me! and the facotory insurance is usaully good enough for me as well.

Insurance Advice Guy said...

thanks for sharing :)

T.dot said...

seems like an interesting idea

Astra said...

maybe a good idea for those who don't know how to do things themselves

level85nerd said...

Hm dont need it!

Insurance Advice Guy said...

very enjoyable

Stibbz said...

I think I could fix most problems with my computer myself too (+ internet help) but I can imagine alot of people that would be unable to.

Callum Webster said...

I don't think I would bother with PC insurance. Intresting though.

iRetiv said...

very much needed

1GN15 said...

I don't think I'll ever insure my PC...

Seion said...

Common sense for me works fine. Factory warranties are the farthest I think anyone should go.

Randy Weezner said...

im getting insurance myself

Sk8rjwd said...

I have had the same laptop for 3 years and the only items that have malfunctioned were the charger and the battery. The battery was just recently. Both of which are cheap/easy fixes. Personally, I wouldn't buy insurance, but I do know how to fix a lot of electronics.

Gansita said...

Nope, I don't believe in insurances, they always have an excuse to don't fix or replace your electronics...

tigey said...

I need that insurance !

Luigibomb said...

I usually get a 1 year warranty with my laptops due to that any more is EXPANSAAAIVE

SuciƓ Sanchez said...

What if you stab yourself (or a loved one) with the screwdriver while opening the case?

SpringyB said...

Laptop insurance would be good to have if it covered theft. Warranties cover most basic damage.

dee jey said...

thanx for information

Bart said...

first!

tortacular said...

bookmarked!

Kichuwa said...

If i knew how to assemble a computer I'd do that instead of buying base models.

tortacular said...

very good work here sir

Dan said...

I built my own comp, so there really isnt insurance onthe whole thing. which sucks. Cause I've had too many problems with my comp, random crap going bad and whatnot. Next time I may just go pre-built :(

JP said...

Not worth it, I can easily replace my investment for another one to care about insurance

tortacular said...

Good setup here.

gnjili shepard said...

i recon amortisation is more important.

Lemmiwinks said...

Kewl story, bro! waiting for updates from you

tortacular said...

eclectic mix~!

pixel said...

i think it is a waste

sportfx said...

Amazing post bro

Unlogic said...

If it was something like toshibas policy of no matter what guarantee .. well in that case I would get insurance :D :D

ModerneFusion said...

There should be information insurance rofl.

RoodNverse said...

i like to pour water on my pc its to safe on the counter, but really after 2 years your new computer is outta date anyways , time to buy a new one

Drackar said...

The idea of insurance is bad...period. they work angles, and in the end, most people pay buttloads of money for nothing, or to find out whatever went wrong isn't covered.

SophomoreSlump said...

I got computer insurance, best investment ever.

CAE.II said...

I agree with you, for my lifestyle, I think computer insurance is completely unnecessary.

OC-STEVEN said...

sounds like a scam to me

MTL beer said...

Not worth it. It's just another way to get cash out of suckers that use the disk tray as a coffee mug holder.

Shimizu said...

i guess the insurance is for theft/robbery..

Fred said...

My mates and I always thought about putting together an on call company for this sort of thing... never broke any ground though.

The Blind Prophet said...

Computer insurance? Isn't that just...

...like being savvy with technology? It's not THAT hard to keep your computer clean/safe. :P

ego_rko said...

lap top is for fast people =)

Longkid said...

I could use this.

SC2 Strats said...

ya... not too sure.

melinko said...

laptops good idea. as things can happen outside your control. desktops i woudl get a warrenty and after that not worry about it and when it goes it wil probley be time for a new one

Cliff Miller said...

Nice read man, I've never been tempted too.

kokojesta said...

i would never get puter insurace, its always gonna cost more than its worth

Tsipise said...

I build my computers, do all maintenance on them, help out friends and family with it. The last learned me that, either you know somebody that can help you, or you take insurance from the local dealer. If you not tech savvy, that is.

Archi said...

well i don't need that kinda insurance. if i smash up my pc, i got enough money to get a new one.

hippilazma said...

i think i am self efficent for computers i dont need insurance

aZZo said...

im the same, im not paying someone to do something i can fix myself

manufacturers warrenty is all you need

roger said...

I totally agree.
If you know enough you can maintain it yourself, and save some money.

Galwarrior said...

Sweet Post!

Kikimora said...

I don't have insurance for anything so I won't have either for computer xD
Following! ^^

Donkote said...

i think it does make it more convenient for the regular computer user, but i feel like the insurance/warranties always run out just before your laptop/computer breaks

Crammarc said...

im done with laptops

nick said...

computer insurance is useless whether you like it or not your pc will be crap in 3-4 years so you replace it so its useless

Virus said...

Meh, do something like me. Take 6 months off or so, learn everything you can about computers, build em, break em, fix em, etc. There ain't a problem I've had that I can't fix, and all my cousins come to me for help xD. I'm the fix up man

Jessie MIAMI said...

I insured my new macbook pro!

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