Compare Laptop Insurance
The right laptop insurance depends on what you need covered — whether that's spilt coffee, a cracked screen, theft from a cafe, or protection while travelling. We have compared the leading UK providers so you can find the policy that matches how you use your laptop.
Compare providers
Post Office
- Accidental and liquid damage covered
- Theft covered as standard
- Cover at home and abroad
- Up to 10 devices on one policy
Insurance2Go
- New or refurbished devices covered
- Unlimited claims for accidents
- Worldwide and loss cover available
CoverCloud
- Multi-gadget discount available
- Worldwide cover up to 90 days
- New and second-hand laptops covered
- Unlimited claims
Switched On
- No limit on claims
- 48-hour replacement goal
- Worldwide cover up to 180 days
- Multi-gadget discount available
Prices and availability correct at time of last update. Always check directly with the provider.
Provider details, prices and availability are correct at the time of writing and subject to change without notice. Always verify current terms and pricing directly with the provider before purchasing.
What to compare in a policy
Accidental damage
Does it cover liquid spills and cracked screens? Manufacturer warranties exclude all accidental damage — without separate cover, repairs come out of your pocket.
Theft
Most policies cover theft but conditions vary. Some require forced entry or that the device was not left unattended. Read the small print carefully.
Accidental loss
Leaving your laptop on a train is loss — many basic policies exclude it. Look for comprehensive cover levels if this matters to you.
MacBook users
AppleCare+ covers hardware and accidental damage repairs but not theft or loss. A third-party policy typically covers all three. See our MacBook and Laptop Insurance guide in Insights for a full comparison.
Common questions
Is laptop insurance the same as gadget insurance?
Yes — most insurers sell laptop cover as part of a gadget insurance policy, which can cover multiple devices on a single plan.
Does home insurance cover my laptop?
Home insurance contents cover may include laptops, but often only inside your home. Cover outside the home usually requires a 'personal possessions' add-on. Specialist laptop insurance typically offers better accidental damage cover and higher replacement limits.
Is accidental damage covered as standard?
Not always — check carefully. Some policies cover accidental damage as standard; others charge extra. Cracked screens, liquid damage, and drops are among the most common claims.
What is the difference between laptop insurance and an extended warranty?
Extended warranties cover manufacturer defects and mechanical breakdowns. Laptop insurance also covers accidental damage, theft, and loss — risks that a warranty does not cover.
Can I insure a laptop I use for work?
Yes, though you should declare business use when you apply. Some policies exclude business use unless specified. If your employer provides the laptop, check whether their insurance covers you first.
Should I insure an older or refurbished laptop?
Several providers cover refurbished and second-hand devices. For older laptops, weigh the annual premium plus excess against the cost of replacement before buying.
What excess should I expect?
Typically £50-£100 per claim. Some providers offer zero excess at a higher premium.
What to check in a laptop insurance policy
Worldwide cover
If you travel with your laptop, make sure the policy covers you abroad. Many standard policies are UK-only.
Replacement vs repair
Check whether the insurer replaces like-for-like or only covers the depreciated value. New-for-old policies are preferable.
Excess
Laptop insurance excesses typically range from £50 to £100. A lower excess means smaller out-of-pocket costs when you claim.
Further reading: MacBook & Laptop Insurance in the UK