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?
98 comments:
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!
I always do it myself didn't need any help by anyone since now :P
I sort of have this form Best Buy.
doesn't seem practical for the home user, but perhaps for businesses.
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.
I really don't need computer insurance, my computer is quite cheap.
wow i hate insurance what a waste of money
hahaha but i guess we need it
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.
now .. this is nice :)
oh yea, for women and old people.
they are always scared to screw something up
Well I just have contents insurance and that covers my pc fine
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.
dont ave one lol dont ned one
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.
my thoughts exactly
Haha computer insurance I shoulda thought of this. I dont think I would ever get insurance for a computer.
I dont think I would ever get this my computer is safe in my arms.
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
great post & really awesome blog :)
i agree, a technical guy can fix most stuff himself
Good info!
Nice idea, but I don't have enough money
good idea to get computer insurance
My computer is insured under my house insurance before that it was insured under my renters insurance.
I agree with you, I don't need to consider the insurance.
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.
as long as you don't own a very expensive system, i believe you don't need insurance for standard pc/laptop ..
Why not? :D
It may be useful for servers.
I don't need insurance since I know how to not destroy a computer. All I need is my warranty.
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
wow, that gives me something to think about.
computer insurance is a waste of money
i think computer insurance is good
Technology insurance I believe would benefit the non-tech savy, average person that owns several computers.
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.
im careful enough with my lap top that i dont think i would ever buy insurance
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.
I've always been tech savvy enough to be able to handle computer issues myself, so I never went with insurance plans
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
hmm..i'll think about it
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.
I just buy a cheap lappy, Worse comes to worst I'll buy a new one. :D
I'm good with comps so its never a problem for me! and the facotory insurance is usaully good enough for me as well.
thanks for sharing :)
seems like an interesting idea
maybe a good idea for those who don't know how to do things themselves
Hm dont need it!
very enjoyable
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.
I don't think I would bother with PC insurance. Intresting though.
very much needed
I don't think I'll ever insure my PC...
Common sense for me works fine. Factory warranties are the farthest I think anyone should go.
im getting insurance myself
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.
Nope, I don't believe in insurances, they always have an excuse to don't fix or replace your electronics...
I need that insurance !
I usually get a 1 year warranty with my laptops due to that any more is EXPANSAAAIVE
What if you stab yourself (or a loved one) with the screwdriver while opening the case?
Laptop insurance would be good to have if it covered theft. Warranties cover most basic damage.
thanx for information
If i knew how to assemble a computer I'd do that instead of buying base models.
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 :(
Not worth it, I can easily replace my investment for another one to care about insurance
i recon amortisation is more important.
eclectic mix~!
i think it is a waste
Amazing post bro
If it was something like toshibas policy of no matter what guarantee .. well in that case I would get insurance :D :D
There should be information insurance rofl.
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
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.
I got computer insurance, best investment ever.
I agree with you, for my lifestyle, I think computer insurance is completely unnecessary.
sounds like a scam to me
Not worth it. It's just another way to get cash out of suckers that use the disk tray as a coffee mug holder.
i guess the insurance is for theft/robbery..
My mates and I always thought about putting together an on call company for this sort of thing... never broke any ground though.
Computer insurance? Isn't that just...
...like being savvy with technology? It's not THAT hard to keep your computer clean/safe. :P
lap top is for fast people =)
I could use this.
ya... not too sure.
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
Nice read man, I've never been tempted too.
i would never get puter insurace, its always gonna cost more than its worth
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.
well i don't need that kinda insurance. if i smash up my pc, i got enough money to get a new one.
i think i am self efficent for computers i dont need insurance
im the same, im not paying someone to do something i can fix myself
manufacturers warrenty is all you need
I totally agree.
If you know enough you can maintain it yourself, and save some money.
Sweet Post!
I don't have insurance for anything so I won't have either for computer xD
Following! ^^
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
im done with laptops
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
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
I insured my new macbook pro!
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