For many, it is part of everyday life: the laptop. It is all the more annoying when it falls off the table at a careless moment. Even if many devices of this type are more robust than it might appear at first glance, it is of course possible that the laptop will break as a result.
Depending on the damage, it is possible that simply repairing the laptop display is not enough to restore it to its original condition.
But how should you behave in such a case? Is it even possible to settle the damage with your Household contents insurance? And what if it's not your own, but a company laptop ? With the information in the following sections, you can ensure that you react correctly in the event of damage.
Screen Broken: Now What?
This is an absolute classic: if a laptop has to be handed in for repairs, it is usually because the screen or display is broken. Irrespective of whether improper handling or an accident caused the screen to be defective: simply because working with a broken display is difficult, it makes sense to have the device repaired promptly or even have the screen replaced.
By the way, did you know that screen damage is so common because the probability of the screen cracking or tearing is relatively high due to the size of the devices ? Even an impact at a certain angle from a low height can ensure that the entire display tears. Various protective covers are available on the market, but these are not always able to absorb the impact of the fall. Nevertheless, you can use this to protect the surface of the screen from scratches and the like in the best possible way.
A question many people ask when it comes to laptop damage is: can I fix my broken screen myself or should I hire a specialist ? There is no standardized answer to this. If you think you're capable of repairing the damage, there's nothing wrong with trying. However, you should be careful not to make the problem worse. It doesn't hurt if you already have some experience in repairing technical devices. If you are unsure whether a display repair on the laptop is beyond your competence, it always makes more sense to consult a specialist.
If you have also taken out laptop insurance, you usually do not have to worry about the costs incurred. There are now many different providers who have included the said insurance companies in their service portfolio. Take some time to compare the different options.
Does Household Contents Insurance Pay for a Dropped Laptop?
Of course, it would be practical if you didn't need separate insurance to protect a laptop because the damage is covered by household contents insurance. And indeed, there are now many insurers. which make it possible to integrate the processing of damage to the laptop into the insurance policy of an extended Household contents insurance.
So that you are on the safe side here, it is important to deal with the insurance conditions in detail. If you decide on the right insurer, it is often worth insuring other technical devices, such as smartphones and tablets, directly as well.
Since some providers only protect against damage caused by water or fire in their "basic variant", it is essential to take a close look here. If you are optimally secured, you do not have to worry about high costs in the event of damage.
The procedure is a bit different if you didn't damage your own laptop, but a company laptop or a friend's laptop. In this case, private liability insurance applies. However, it only replaces the respective current value. It should also be noted that special provisions usually apply with regard to multi-person households. Whether the damage mentioned in the example is covered here depends on whether all persons. who live in the household can show their own policy.
You can find more information about what you should consider when taking out insurance with multiple policyholders in the article “Household contents insurance: Is your partner also insured?”. And if you own several expensive devices, you should also take a look at “Electronics insurance: A useful addition to household contents insurance?”.
Your laptop didn't fall but was exposed to moisture over a longer period of time? Then take a look at our article "Laptop got wet: what to do?"
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