Protection for Your Gaming Equipment
Protect your valuable gaming hardware against damage and defects. With nextsure, you can continue playing worry-free.
Comprehensive hardware protection
Rapid claims settlement
Fair tariff options
Why gaming hardware insurance is indispensable
High purchase costs
Multitude of Risks
Protection against Failures
Preservation of Hardware Value
What devices are covered by the gaming hardware insurance?
A specialised gaming hardware insurance from nextsure offers comprehensive protection for a variety of devices that form the heart of any gaming setup. Specifically, the following components and systems are typically covered: High-performance gaming PCs, both self-configured and pre-built systems, including all internal components such as graphics cards (e.g., NVIDIA GeForce RTX series, AMD Radeon RX series), processors (CPUs), motherboards, memory (RAM modules), SSD and HDD drives, and power supplies. Mobile gaming laptops are also included under the insurance cover. Current gaming consoles like the PlayStation 5 (PS5), Xbox Series X/S, or the Nintendo Switch can also be insured. Furthermore, the protection often extends to expensive virtual reality headsets (VR goggles) and their accessories, as well as specialised gaming monitors with high refresh rates and resolutions. High-quality peripherals such as gaming mice, mechanical keyboards, and professional gaming headsets can also be included in the insurance coverage. It is important to check the exact insurance terms as there may be value or age limits for the equipment to be insured. nextsure emphasises transparent policies that clearly define which of your valuable gaming components are protected.
Our Promise
Protection for Your Gaming Universe
PC Protection
Your gaming PC and its components comprehensively secured.
Console protection
Protection for PlayStation, Xbox, Switch.
Laptop Protection
Protected on the go: Your mobile gaming powerhouse.
VR Insurance
VR headsets and accessories protected against defects and damage.
Monitor protection
Gaming monitors securely insured against pixel and other damages.
Periphery
Keyboards, mice, headsets: optimal protection against damage.
Claims Service
Quick, straightforward claims handling by experts.
Fair Tariffs
Tailored options for every budget and individual need.
Online Degree
Conveniently purchase gaming hardware insurance online in a digital format.
To ensure the fun remains uninterrupted.
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Worry-free gaming?
Typical damages and how our insurance applies
Gaming hardware is exposed to various risks during daily use. A gaming hardware insurance from nextsure steps in when the unexpected happens. Some of the most common types of damage include liquid damage, such as from a toppled glass that damages sensitive electronics like the graphics card or motherboard. Impact and breakage damage, for instance if the gaming laptop falls off the table or the console is knocked over, are also covered. Electronic damage due to short circuits or power surges, such as those caused by thunderstorms, can destroy expensive components; the insurance provides replacement here. Operational errors that lead to damage may also be insured depending on the chosen plan. Another important aspect is protection against technical defects after the manufacturer's warranty has expired – a frequent nuisance with high-quality hardware. Many plans also include the theft of insured devices, particularly for mobile gaming laptops, or offer it as an option. In the event of a claim, nextsure ensures a fast and straightforward process, allowing you to dive back into the game quickly.
Costs and Rates: What does gaming hardware insurance cost?
The costs for gaming hardware insurance with nextsure are transparent and depend on various factors to provide you with tailored coverage at a fair price. The primary determinant of the premium amount is the value of the gaming hardware you wish to insure; a higher sum insured, reflecting the new or current value of your equipment, results in a correspondingly adjusted premium. Furthermore, the chosen scope of coverage plays a role: Basic protection is cheaper than a premium plan, which also covers theft, robbery, or damage due to user error, for example. The amount of any agreed deductible in the event of a claim also affects the costs – a higher deductible can reduce the ongoing premium. The contract duration and the specific type of insured equipment (e.g., gaming PC, individual high-end graphics card, gaming console, or gaming laptop) are also factored into the calculation. nextsure provides you with detailed information on the tariff options and often enables a quick calculation via an online tariff calculator or an individual quote request, so that you can find the optimal protection for your budget.
How to choose the right plan for your needs
Selecting the right tariff for your gaming hardware insurance is crucial to ensure optimal protection without unnecessary costs. Start by taking an accurate inventory of your gaming equipment: list all devices to be insured, such as PC, console, monitor, and peripherals, and determine their current value (new or market value). Then analyze your personal risk profile. Do you live with small children or pets at home? Do you frequently transport your gaming laptop? These factors can increase the risk of damage. Examine the coverage of the offered tariffs in detail. Basic coverage often includes material defects and electronic damage, while premium tariffs may also offer protection against liquid damage, impact and breakage damage, user errors, or even theft. Consider the level of excess: a higher excess reduces the premium but means higher own costs in the event of damage. Read the terms and conditions carefully, paying attention to exclusions, possible waiting periods, and notice periods. Compare not just the price but the overall value for money. Nextsure is happy to assist you in selecting the ideal tariff for you, so you can enjoy your gaming passion worry-free.
Claim Notification: Quick and Easy with nextsure
Should your valuable gaming hardware suffer damage, nextsure provides you with a fast and straightforward claims process. Our aim is to get you back to gaming as quickly as possible. The first step is to minimize the damage – switch off affected devices immediately, especially if you suspect liquid or electronic damage. Then report the damage to nextsure without delay. You can easily do this through our digital customer portal, our service hotline, or via email. Please have your insurance number ready, along with a precise description of the damage occurrence, details of the affected device (brand, model, serial number), and ideally, photos of the damage. Once we receive your report, we will inform you of the next steps, which typically involve sending the damaged device for assessment by a specialist company. Depending on the damage and the insurance conditions, a repair, device replacement, or financial compensation will follow. nextsure places great importance on transparent communication throughout the entire claims process so that you are informed at all times about the current status and can resume your gaming experience without interruption soon.
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Additional services and options: More than just basic protection
Beyond basic protection, a gaming hardware insurance policy from nextsure often offers valuable additional services and options that allow you to customise your coverage. A frequently requested option is comprehensive theft protection, which covers not only burglary but also simple theft or robbery, particularly important for mobile gaming laptops. Many plans offer a new-for-old replacement, so in the event of a total loss, you receive the sum needed to acquire a new equivalent device, rather than just the depreciated value. Extended coverage can also include damages caused by operational errors or clumsiness. For gamers who build their own PCs, there are often special policies or clauses that accommodate these individual configurations. In some cases, aspects such as professional data recovery from hard drive failures can be integrated as an additional module, although this often represents a separate insurance service. The modular structure of many nextsure policies enables you to tailor the protection precisely to your personal needs and gaming setup, ensuring the highest level of security.
Gaming hardware abroad: Does insurance coverage apply worldwide?
For many gamers, a gaming laptop or mobile console is a constant companion, even while travelling. Therefore, the important question arises of whether your gaming hardware insurance also provides cover abroad. By default, the scope of such insurance can be limited to Germany or the European Union. It is thus essential to check the exact insurance conditions (AVB) of your policy concerning the territorial scope. Many insurers, including nextsure, offer tariffs or additional options that include worldwide coverage, at least for a limited period, for example during holiday or business trips. This is particularly relevant for theft protection of mobile devices such as gaming laptops. If you plan to take your valuable gaming hardware abroad, we strongly recommend checking your insurance coverage in advance and, if necessary, adjusting it or considering a special travel insurance with sufficient protection for electronics. This way, you can ensure that your equipment is optimally protected outside your home and you can enjoy your gaming experience effortlessly, no matter where you are.
Cancellation and Change: What You Need to Know
The management of your insurance policies, including gaming hardware insurance, requires an understanding of the cancellation and switching modalities. A regular termination of your existing policy is usually possible at the end of the agreed contract period, with notice periods of one to three months typically being observed. Additionally, there is a special right of termination under certain circumstances. This can occur, for example, if the insurer raises premiums without expanding the services accordingly, or following the settlement of a claim – where both contracting parties often have a right to terminate. Termination should always be carried out in writing, ideally via registered mail or email with qualified confirmation, to have proof. Should you sell your insured gaming hardware or it is otherwise lost, check if this allows for early contract termination or an adjustment of insurance cover. If you are considering switching to nextsure, we are happy to support you in making the transition as smooth as possible and finding the optimal plan for you. Active contract management helps you secure the best protection at current conditions at all times.
Is my custom-built gaming PC insurable?
While a comprehensive gaming hardware insurance from nextsure provides valuable services in the event of damage, active prevention is the best way to protect your expensive equipment in the long run and minimise downtime. Ensure a stable and secure setup for your gaming PC, monitor, and consoles to prevent accidental falls. Thoughtful cable management not only avoids trip hazards but also protects the cables from damage and kinks. Invest in a high-quality power strip with integrated surge protection to safeguard your devices from damage caused by power surges, especially during thunderstorms. Regular and careful cleaning of your hardware, particularly the removal of dust from fans and the interior of the case, prevents overheating and associated defects. Be especially cautious with liquids near your setup; a spilled drink can quickly lead to irreparable damage. For transport, especially of gaming laptops, always use well-padded bags or cases. Also, keep your software, including the operating system and antivirus program, up to date to protect yourself from digital threats. For high-quality laptops, a Kensington lock can provide additional theft protection. By handling with care and taking preventive measures, you contribute significantly to the longevity of your gaming hardware.
