Limited Contents cover in this case does not offer protection against theft or accidental damage for your mobile or laptop as part of the base policy, it is however a $49 option. may either exclude some things from cover, or offer a lower level of cover. The cheaper cover will usually have less protection i.e. Every insurance company and policy will largely cover similar items (some exceptions) but it may be up to a different limit.įor example, with AA insurance there are two levels of Contents insurance policy offered. Typically, it will include electronics including your TV, sound system, camera etc, jewellery, furniture, clothes, sporting equipment, whiteware, and appliances, etc. Typically it covers all your other valuables up to the amount you've selected to insure. The short answer is yes, but it will cover more than just your tech gadgets. Therefore, applying that to your Apple and other technology gadgets, it will "fall into" the covered category.Ĭan I purchase Contents insurance to cover my new electronic gadgets? For those unfamiliar with Contents insurance, the way to think about it as many in the industry would say is that if you were to turn your house upside down, everything that falls out would be covered. If you are considering insurance, Contents insurance (sometimes known as Renters insurance) would be the one to look at to protect your expensive tech gadgets. Looking at insurance to protect your expensive tech
Read more about AppleCare, NZ Consumers Guarantee protection and the standard Apple warranty HERE.
Overall, it seems like while there is some benefit to getting the additional AppleCare+, especially if you would like the Tech support, there are some notable downsides like theft and loss that leaves you exposed to some real risk. One thing worth noting is that AppleCare+ does not cover your Apple gadgets from theft or if you lose it. However, you can see that this excess does not run cheap and there is a limit on how many times you can claim on it. We think of this as being similar to "excess" you would pay when comparing it to insurance. Other more serious accidental damages will cost $169 on the iPhone and NZD$499 for a MacBook to fix. For your iPhone it is NZD$49 and for a MacBook it is NZD$169. For common screen breakage or damage to the casing of your device, there is still a cost to pay. While for every 12 month period for the duration of the AppleCare+ is in place you are entitled to two incidents of accidental damage, there is still a service fee for the repair. For example, NZD$119 for the iPad, NZD$149 for the Apple Watch and NZD$279 for the MacBook Air.
IS APPLECARE FOR MACBOOK WORTH IT FOR MAC
AppleCare+ extends the warranty to a period of three years for Mac and Apple TV, while other products in their line up are covered for two years. The standard Apple warranty for most of their products is one year from the date of purchase. Of course, it comes at a cost - and it's not small. AppleCare or AppleCare+ is additional warranty that comes at a cost and offered by Apple so that customers can have extra peace of mind for a longer period of time. Before we dive into insurance, let's take a quick look at the warranty that is offered at checkout from the Apple store.
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