Electronic device insurance As stated in its general terms and conditions, electronic device insurance is a type of engineering insurance that protects against sudden and unexpected damage to electronic devices in environments such as homes, hospitals or offices. It covers the electronic devices within its scope against damages that may be incurred during operations such as maintenance, cleaning, relocation and revision at the workplace.
Now that we are in the age of technology, electronic devices are an essential part of our lives. Unfortunately, these sensitive devices are under threat from a wide range of risks that can be caused by human and technical factors. The malfunction and damage of these sensitive devices, which are under the threat of a wide range of risks, can cause both financial loss and disruption of your business. This is where the importance of electronic device insurance emerges. Well, have you taken precautions against such situations? You can ensure that your work continues uninterrupted with electronic device insurance against the risks of your devices being broken, stolen or damaged. You can get electronic device insurance from Sigortam.net, secure your electronic devices against sudden and unexpected risks and focus on your work with peace of mind.
What are the General Terms and Conditions of Electronic Device Insurance?
Electronic device insurance coverage is an all risks insurance that covers all damages that may be incurred by the devices within its scope. It covers the repair and replacement costs required to eliminate damages caused by sudden and unexpected events during operations such as cleaning, cleaning and relocation of the devices covered. Electronic device insurance does not cover damages to laptops and cell phones. However, some insurance companies offer cell phone insurance that protects cell phones against possible risks.
Electronic device insurance does not cover damage to materials such as belts and gaskets that need to be replaced at normal times. In addition, damages that may occur during the warranty period and are the responsibility of the manufacturer are not covered. All fire damages to electronic devices with or without flame are covered. If there is no serious defect or intent, it will also cover damage caused by the user and electrical damage to electronic devices provided that there are externally connected regulators.
- Electronic device fuse;
- Electronic machine
- Electronic installation
- It covers electronic devices such as data processing systems.
So, what does sudden and unexpected damage in the general terms and conditions of electronic device insurance mean? It is the occurrence of damage at an unexpected moment. For example, your computer system may be damaged in a basement that is constantly flooded or in a ruined building. Unless you take precautions, it is not possible to say that this event is unexpected and sudden.
External damage is when the insured device malfunctions or is damaged due to an external influence, not due to a malfunction or malfunction in the internal structure or functioning of the insured device. For example, let's assume that you turn on your computer to start work in the morning, if the device does not work without any external factor, this means that there is a damage to the internal parts of the computer. However, this damage is covered under warranty, not insurance. The computer may have malfunctioned as a result of over-voltage overload due to a fault in the transformer where it is located. This is also an external damage and is covered by insurance, not the warranty.
What are the Electronic Device Insurance Coverages?
Guarantees provided by electronic device insurance It is usually limited to 12 months and the insurance price is the new price of the electronic devices. You can cover devices up to 10 years old. Electronic device insurance coverage can be listed as follows:
- Theft and attempted theft
- Faulty design and materials
- High voltage, induction current effects and short circuit
- Events such as fire, lightning and their extinguishing, rescue and demolition operations
- Smoke, soot, blackening and scorching
- Natural disasters other than earthquakes such as floods, land subsidence, floods, storms
- Moisture and water effects and corrosion damage caused by them
One of the risks threatening electronic device users is the threat of cyber security. You can read our content to learn about cyber security insurance.
What are the Additional Coverages of Electronic Device Insurance?
Risks covered by electronic device insurance, You can extend it with an additional premium and have it added to your policy. You can cover the risks listed below.
- Earthquake
- Theft
- Use of mobile and portable device outside the risk address
- Transportation and overtime charges
- Terrorism, malicious act, strike, lockout, civil commotion, riots
- Losses and damages caused by physical damage to external information systems such as magnetic disk, tape and plain text format, tape
- Damage to tubes and valves
- Work and labor costs incurred as a result of using an alternative device
- Data loss