Travel insurance that covers a laptop
I'm about to head out on a trip via train to see a friend. I was planning on taking just the bare essentials (change of clothes and a sleeping bag), but said friend has requested I bring my gaming laptop.
Now, the laptop is heavy, which is why I'd be inclined not to bring it in the first place, but it's also new and expensive enough to make me worry. I wouldn't want to bring it without insuring it.
Fortunately (ish?) I hadn't gotten around to getting travel insurance yet (I know you're supposed to do it straight away but there we are). So I can explore looking into insruance that would specifically cover my laptop. But I quickly found not everywhere has an option, and there's this "business trip" catagory that some seem to squirrel the option away under.
Can anyone help me make sense of what's best to do here?
I'm travelling from the UK to the low-countries and staying for a few days. I could potentially be doing this trip a couple of times over over the comming year. I may also be moving there (I don't think travel insurance covers moving costs but I could be wrong).
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Does travel insurance cover my laptop?
Claims for lost, stolen, or destroyed laptops and tablets fall under the travel insurance coverage for baggage whether your equipment was in your carry-on, your backpack, or in your checked luggage.Does travel insurance cover equipment?
A standard travel insurance policy won't cover all your gadgets. You can usually cover one or two gadgets, up to a value set by the insurer. But check policies because there'll be exclusions. There'll be a single item limit too.Are computers covered by insurance?
Most homeowners insurance plans will offer coverage for laptops and computers, as they are considered personal property. The coverage will kick in upon theft, vandalism, and some natural disasters. Accidental damage is not typically covered, nor are some other natural disasters.What travel insurance will not cover?
Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.Travel Insurance | Tips For Choosing Best Health Coverage For A Long Trip | Digital Nomad Series
Sources: Stack Exchange - This article follows the attribution requirements of Stack Exchange and is licensed under CC BY-SA 3.0.
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