Today, a laptop or MacBook represents much more than a simple work or entertainment tool. Whether for professional, academic or personal use, its loss or damage can have a major financial and organizational impact. And the risks are many: accidental dropping, theft, hardware failure after the end of the warranty, and many others.
The cost of repairs can be very high, especially for high-end models (MacBook, Gamer PC, professional PC, etc.). Replacing a broken screen on a MacBook can cost upwards of €500, a faulty motherboard can easily exceed €700, and a simple battery problem can require a costly intervention. In the case of theft, the loss can range from €700 for a mid-range PC to over €2,500 for a MacBook Pro.
In the face of these risks, taking out dedicated laptop insurance means you can avoid unexpected costs and benefit from rapid replacement or repair in the event of an incident. But what’s the best solution for your budget and usage? In this guide, we compare the best insurances to protect your investment in March 2025.
Why insure your laptop in 2025?
A laptop represents a substantial investment, essential for everyday use, whether for work, study or entertainment. However, it is exposed to many risks: theft, accidental breakage, out-of-warranty breakdowns. In the face of these unforeseen events, insurance can help you avoid high costs and guarantee rapid repair or replacement of your computer.
Contrary to popular belief, the manufacturer’s warranty does not cover accidental breakage. If a computer falls to the ground, liquid is spilled on it or a screen cracks after a shock, the standard warranty does not cover such damage. What’s more, a breakdown occurring after the warranty has expired will require a chargeable repair.
Financial losses can be significant. A stolen MacBook represents a loss of over €2,000, and an out-of-warranty failure such as a broken screen or faulty motherboard can easily result in a repair bill of several hundred euros.
Certain profiles are particularly exposed to these risks. Freelancers and teleworkers depend on their hardware to work, and can’t afford to wait several weeks for repairs. Gamers, who invest several thousand euros in a top-of-the-range PC, are exposed to high costs in the event of hardware failure. Businesses need to protect their IT assets against theft and accidental damage, or risk major financial and organizational losses.
Laptop insurance can help you avoid unexpected expenses and guarantee rapid access to a repair or replacement service. Before choosing coverage, it’s essential to compare the different offers available according to your budget and use.
Laptop insurance: breakage, theft, warranty… What are your options and coverages?
There are several ways to protect your laptop against everyday risks. Depending on your needs and budget, you can opt for insurance covering breakage and theft, an extended warranty or insurance included with certain credit cards.
Theft and breakage insurance is a comprehensive protection that covers accidental damage as well as theft. In the event of a fall, cracked screen or spilled liquid, the computer can be repaired or replaced. Some policies also include coverage against burglary or assault, although exclusions may vary from insurer to insurer.
Extended warranties extend the manufacturer’s warranty coverage beyond the initial two-yearperiod. It covers hardware failures occurring after the standard warranty period, such as a faulty motherboard or a dead battery. However, it does not cover accidental breakage or theft, making it less comprehensive than specialized insurance.
Some high-end bank cards, such as Gold or Platinum, include protection for purchases made with the card. If a laptop is purchased with one of these cards, it may benefit from additional protection in the event of accidental breakage or theft. However, this coverage is often subject to strict conditions.
The choice between these different types of insurance depends on the level of protection required and the cost of repairs in the event of an incident. Comparing offers will help you choose the solution best suited to your use and equipment.
Laptop theft insurance: coverage and exclusions to be aware of
Theft insurance provides replacement or reimbursement in the event of theft by burglary or assault. It is particularly useful for users who often take their laptops with them on public transport, in cafés or public spaces.
| ⚠️ Limitations | Ideal for 👇 |
|---|---|
| Does not cover theft without forced entry (e.g. pickpocket, forgetfulness). | Mobile professionals and students. |
| Requires complaint and proof of theft. | Owners of MacBooks, gamer PCs or expensive professional computers. |
Breakage insurance: how much is covered?
This type of insurance covers repairs or replacement of a laptop in the event of a drop, impact, cracked screen or spilled liquid. It offers protection against everyday accidents.
| ⚠️ Limitations | Ideal for 👇 |
|---|---|
| Certain malicious manipulations or operating errors can be excluded. | Clumsy people or people using their PCs in high-risk environments. |
| Deductible payable on each claim. | Students, children, mobile workers. |
| Limited number of claims covered per year (often one or two). | Those wishing to protect their investment over the long term. |
Extended warranty (hardware failures)
A warranty extension extends coverage for electronic and hardware failures beyond the end of the manufacturer’s warranty. It allows you to benefit from free repairs on faulty components such as the motherboard, battery or screen.
| ⚠️ Limitations | Ideal for 👇 |
|---|---|
| Does not cover accidental breakage or theft. | Those who want extensive technical assistance. |
| Can be expensive (e.g. AppleCare+ for MacBook = €229-399). | Users wishing to keep their computer for several years (3 to 5 years+). |
| Must be taken out quickly after PC purchase (within 60 days). | Owners of MacBooks, ultrabooks and high-end professional PCs. |
Insurance included with your bank card
Some Gold, Platinum and Black cards include insurance to protect recent purchases against accidental breakage or theft for 60 to 180 days after purchase. They sometimes offer a free one-year extended warranty on products purchased with the card.
| ⚠️ Limitations | Ideal for 👇 |
|---|---|
| Limited duration (only a few months after purchase). | Those who already have a high-end bank card. |
| Indemnity ceiling often low. | Temporary protection after purchase of a new computer. |
| Numerous exclusions (e.g. theft without assault, loss not covered). | Good complement, but does not replace specialized insurance. |
Computer insurance comparison: Coverd, AppleCare+, Lovys… which one to choose?
In this comparison of the best laptop insurances, we take a detailed look at Coverd, AppleCare+, Lovys, Carrefour Assurance and Assurance Pro MACSF. You’ll discover their rates, included cover and exclusions, so you can choose the protection best suited to your needs.
Coverd: PC insurance that even covers used and reconditioned devices
Coverd is a flexible insurance policy that covers accidental breakage and liquid damage, with an option to include theft for an additional charge. It is particularly advantageous because it accepts used and reconditioned appliances.
Rate: ~€10-15/month
| ✅ What it covers | ❌ Does not cover |
|---|---|
| Accidental breakage and oxidation: protection against falls and liquids. | Loss and theft without assault: no reimbursement if forgotten or stolen without violence. |
| Theft option (+€4/month): possibility of adding coverage against theft. | Deductible: at least €50 per claim. |
| Refurbished devices accepted: insurance valid for new and used PCs. | Cosmetic damage not covered: scratches and superficial wear excluded. |
Compensation ceilings :
- Compensation based on replacement value (without depreciation for the first few years).
- Unlimited number of claims as long as the deductible is paid.
- Repair or replacement within 24-48 hours after validation of file.
AppleCare+: MacBook insurance against breakdown and accidental breakage
AppleCare+ is an extended warranty offered by Apple for its MacBooks. It covers hardware failure and some accidental damage, but does not cover theft or loss.
Price: €229 to €399 for 3 years
| ✅ What it covers | ❌ Does not cover |
|---|---|
| Material breakdowns: free repairs for any manufacturing defects. | Theft and loss: no coverage. |
| Accidental damage: up to 2 claims per year (breakage, spilled liquid). | Limited number of claims: maximum 2 incidents covered per year. |
| Battery and accessories included: replacement if battery falls below 80% capacity. | High deductible: €99 for a screen, €259 for other damage. |
Compensation ceilings :
- Replacement value guaranteed (no depreciation for 3 years).
- Replacement with an equivalent model in the event of major damage.
Lovys: no-obligation insurance for laptops and MacBooks
Lovys is a 100% online insurance offering simple coverage for accidental damage and burglary. It is designed to be easily managed via a mobile application.
Price: ~€5.99/month
| ✅ What it covers | ❌ Does not cover |
|---|---|
| Accidental breakage and oxidation: cover for shocks and liquid damage. | Theft without proof of break-in/violence: no reimbursement without official proof. |
| Theft with break-in/assault: coverage in the event of theft subject to conditions. | Variable deductible: the amount depends on the value of the PC. |
| Fast online management: claims declaration and processing via the application. | Limited number of claims: restrictions on the number of claims per year. |
Compensation ceilings :
- Ceiling aligned with device value.
- Replacement with an equivalent reconditioned model.
Carrefour Assurance: Comprehensive protection against everyday accidents
Carrefour Assurance offers comprehensive coverage, including accidental breakage and theft under certain conditions. However, it does not cover theft without proof of forced entry, and limits the number of claims covered.
Price: ~€14.90/month
| ✅ What it covers | ❌ Does not cover |
|---|---|
| Accidental breakage: drops, cracked screen, spilled liquid. | Theft without forced entry: not compensated without proof of forced entry. |
| Theft with break-in or assault: reimbursement subject to conditions. | Appliances over 3 years old: not eligible for insurance. |
| Electrical damage and oxidation: breakdowns due to power surges or humidity. | Limited number of claims: 1 claim maximum per year. |
Compensation ceilings :
- Reimbursement ceiling between €1,000 and €2,000 depending on the formula chosen.
- Deductible of €30 to €100 depending on the value of the equipment.
- Compensation in the form of repair or voucher.
MACSF Pack Numérique : Professional insurance for computers and IT equipment
This insurance is designed for professionals wishing to protect their IT equipment, particularly when on the move. It covers accidental breakage and burglary, with an option to avoid obsolescence.
Rate: ~€6.50/month
| ✅ What it covers | ❌ Does not cover |
|---|---|
| Accidental breakage and theft: full coverage for pro equipment. | Material breakdown: not covered by this formula. |
| Worldwide coverage: protection valid internationally. | Smartphones excluded: only computers and tablets are covered. |
| Possibility of extension without obsolescence: option allowing reimbursement at new value for 5 years. | Strictly professional use: cannot be taken out for personal use. |
Compensation ceilings :
- Replacement value guaranteed for 2 years.
- Option to avoid obsolescence for up to 5 years.
- Reduced deductible compared to consumer insurance.
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