Your laptop optimally insured

Insure your laptop optimally against damage, theft, and loss – with nextsure's laptop insurance. Tailored protection, concluded digitally.

Worldwide Immediate Protection
Swift claims processing
New-for-old replacement often included

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Hepster

Laptop insurance

Worldwide cover for new and used laptops, including original accessories.

Coverage area:: worldwide
Battery-wear threshold:: up to 60% remaining capacity, device max. 4 years old
Minimum term:: 3 months (monthly subscription)

Drop, breakage, sand, and liquid damage
Fire, explosion, power surge, short circuit, sabotage, vandalism
Battery and screen damage, plus battery wear (where not covered by warranty)
Operating errors and improper handling
Theft module: theft, burglary from a car or home, robbery

Key exclusions

Loss and forgetting outside the insured theft scenarios
Devices without a known serial/IMEI number
Damage covered under warranty or manufacturer's guarantee
Gross negligence or intentional acts

Trusted Shops: 4,5/5 „Sehr gut“ (2.600 Bewertungen)
hepster insgesamt (Anbieterbewertung, alle Versicherungen)

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Claims must be reported online within 14 days; theft must be reported to the police within 24 hours. Insurer: Hiscox SA, Niederlassung für Deutschland

Fact sheet: benefits, exclusions and waiting periods in detail

All details are taken from the provider's linked product page and the contract documents (IPID/policy conditions) published there; the insurer's documents prevail. Premiums, benefits and the insurance product itself may change – please verify the details directly with the partner before signing up; only the information provided there is binding.

Why laptop insurance is essential for you

Protection against high repair costs
Protection against Theft & Robbery
Safety in Case of Liquid Damage
Peace of mind in everyday life & travel

The most common damages to laptops and how our insurance helps

Laptops are daily companions, whether for work or personal use. However, their mobility exposes them to numerous risks. The most common damages include screen breakages from falls, defects from spilled liquids like coffee or water, and damage from power surges that can disable the sensitive electronics. Theft, especially in public places or while travelling, is also a serious risk. A nextsure laptop insurance policy covers exactly these scenarios. We replace or repair your device, so you can get back to work quickly without having to dig deep into your own pocket. Discover more about the laptop insurance costs and services to find the optimal protection for your notebook.^[1]

Why choose nextsure laptop insurance?

Theft protection

Optional protection against simple theft and robbery worldwide.

Fracture damage

Protection against screen breakage and other impact damage.

Liquid

Protection against damage from water, coffee, and more.

Electronics

Coverage for short circuits, overvoltage, and operating errors.

Battery defect

Often also protection when battery life declines (details in the tariff).

Worldwide

Your insurance coverage generally also applies abroad.

Quick Help

Effortless digital claims reporting and prompt processing.

Original price

Many policies offer replacement value compensation in the event of a total loss.

Flexibel

Tailor the insurance coverage to your individual needs.

Fall and fracture damage: When disaster strikes

A moment of carelessness, and it happens: The laptop falls off the table or slips out of the bag. The result is often costly drops and breakages, particularly to the delicate display or casing. Such mechanical damages are usually not covered by the manufacturer's warranty. With nextsure's laptop insurance, you are fully protected against these accidental damages. We cover the repair costs or provide an adequate replacement in the event of a total loss, so a mishap does not become a financial disaster. When choosing your laptop insurance, ensure it includes cover for drop and display damage.^[1]

Liquid damage: Water, coffee & more as a risk

Spilled drinks are one of the main causes of laptop damage. Whether it's a knocked-over glass of water next to your workspace or your morning coffee spilling over the keyboard – liquids can cause irreparable damage to electronics. Short circuits, corrosion, and failure of individual components are typical consequences. Laptop insurance from nextsure offers you reliable protection here as well. We take care of the professional cleaning and repair or replacement of your device should liquid damage occur. This way, you remain unaffected financially even after such an accident and do not have to fear the often high costs of a new laptop.

Theft Protection: Security for Your Laptop on the Go and at Home

Laptops are sought-after items by thieves. Whether it's a burglary from your home, simple theft from your bag at a café, or robbery – the loss of the device is not only annoying but often also associated with the loss of important data and high replacement costs. Our laptop insurance optionally offers comprehensive theft protection. This is valid worldwide, ensuring that you don't end up bearing the costs in the event of a theft. It is important to report the theft to the police immediately and notify us of the loss. Please refer to your insurance terms for details on the theft coverage, especially regarding the differences between simple theft and burglary.

Overvoltage, short circuit & electronic damage: Protection for the heart

Modern laptops are complex electronic devices. Damage caused by power surges (e.g., during a thunderstorm), short circuits or other electronic faults can significantly affect functionality or lead to total failure. Such damages are often not caused by user error, but are still not always covered by the manufacturer's warranty, especially after the warranty period has expired. The nextsure laptop insurance also covers such electronic damages and ensures repair or replacement. This way, the sensitive technology of your notebook is optimally protected against unforeseen electrical defects.

Worldwide protection: Is my laptop also insured abroad?

Yes, with the laptop insurance from nextsure, you typically enjoy worldwide coverage. This means that your laptop is protected against insured risks such as breakage, liquid damage, or optionally theft, even when traveling, whether on holiday or business trips. This provides you with the necessary peace of mind to use your device worry-free everywhere. However, please note the specific conditions in your insurance contract, particularly concerning the duration of foreign coverage and any potential reporting obligations in the event of a claim from abroad. The digital claims process with nextsure also makes it easy for you to report incidents on the go.

The simple claims notification process at nextsure

In the event of a claim, you want fast and straightforward assistance. At nextsure, we have fully digitalised and customer-friendly streamlined the claims reporting process. You can report your claim online via our portal at any time and from anywhere. Upload relevant documents such as a purchase receipt or, in cases of theft, the police report, directly. Our team of experts will promptly review your case and transparently inform you about the next steps. The aim is swift settlement so that you can have your laptop repaired and returned as quickly as possible, or receive an appropriate replacement.

Replacement Value vs. Current Value: What Does Your Insurance Cover?

An important aspect of laptop insurance is the type of compensation in the event of total loss. Many policies from nextsure offer replacement cost compensation, at least in the first years after purchase. This means you are reimbursed for the cost of a new, equivalent device. In contrast, the actual cash value compensation replaces the current value of the laptop before the damage occurred (considering age and wear). Replacement cost compensation is particularly advantageous, as laptops quickly depreciate. Carefully review the terms of your policy to understand which form of compensation applies and for how long.

Which laptops can I insure?

Although good insurance is essential, you can do a lot yourself to prevent damage to your laptop. Always transport your device in a padded laptop bag. Avoid eating and drinking in close proximity to the keyboard. Ensure a stable surface while working to prevent falls. Regular software updates and antivirus programs protect against digital threats. Clean the screen and keyboard carefully with suitable products. And never leave your laptop unattended in public places. These simple measures can extend the lifespan of your device and reduce the risk of damage.

Frequently Asked Questions

As a rule, you can insure newly purchased as well as already used laptops with nextsure, provided they do not exceed a certain maximum age (e.g., 12 or 24 months from the date of purchase) and are fully functional. Please refer to the current tariff details on our website for exact acceptance guidelines, such as the maximum device age and any value limits, or contact our customer service.

Sources

[1]Hepster – Laptop-Versicherung: Produkt- und Tarifinformationen(Risikoträger: Hiscox SA, Niederlassung für Deutschland)

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Information last updated: July 2026 · Source: provider product information (IPID/policy conditions)