How Much to Replace Your Gadgets?

Think for a moment about how much of your life is stored on electronic devices? Think about this for a moment or two. Stop and think about all those recent images on your camera, all those telephone numbers on your mobile phone and all those important email messages on your laptop.

You might even use a PDA (personal digital assistant) in which cas you will probably have all of your contact details stored in one place. Consider the impace on your life of suddenly losing one of these vital devices?

If we just consider your mobile telephone there is a high probability that, sooner or later, your phone will become damaged, lost or stolen. Last year alone over 200,000 mobile telephones went through washing machines, over 55,000 were left in taxis and 600,000 were dropped down toilets. When was the last time you backed up your sim card data. At the very least you should consider some cheap mobile phone insurance. While this will not compensate for not having your data backed up, at least you will get a replacement without any fuss or expense.

Cameras, like mobile phones, are small, lightweight and portable making them easy to carry but also easy to lose. Modern digital cameras can be particularly vulnerable to damage. Typically they get bumped and bashed around in luggage, ofen dropped and sometimes have heavy items placed on them. Like mobile phones there is no way that camera insurance can compensate for the loss of images stored on the camera, but it is an affordable way to get yourself a replacement if your camera is damaged or lost.

For me the significant gadget in my life is my laptop computer. Most damage or loss relating to laptops occurs outside the home and since around 17% of laptop owners routinely take their laptops with them when travelling this makes them very vulnerable. So how much of your laptop data is safely backed up to some form of secure media? Losing my laptop would be a disaster for me as this is where I store all of my contact details, emails and images.

As for other gadgets, some laptop insurance can’t ensure that your laptop will not be stolen or damaged but it can make it less financially painful to get a replacement.

I strongly recommend that you stop and consider the vital data that you have stored on various gadgets and take steps to back it all up. Make certain you get yourself some gadget insurance for your important devices as at least this will enable you to get a replacement quickly and with minimal cost to you.