But an accident, whether it is on purpose or not, can be costly to amend especially if it is an accident with a laptop. Broken laptops can be expensive to fix or replace and as the following disasters indicate, sometimes it is better to be safe than sorry by taking out insurance.

Whatever kind of laptop you have whether it is notebook laptops or a netbook; take out laptop insurance today and cover yourself in case either of these catastrophes occurs. Calamity scenarios that cause hair-pulling rage and screaming-breakdowns include;

 - Violent outburst

We’ve all suffered the dreadful situation when the internet seems to be working at a snail pace, just when you are super busy and needing-to-know something ASAP. But clenching your fist and punching the laptop, or hurling it across the room to release your anger, will not solve the slow broadband rate and will only result in a broken laptop.

- Spilt drink

Juggling a laptop and a glass of liquid at the same time is probably not the wisest thing to do. A screen that is ruined by water will cost hundreds to repair, so when sipping your cup of coffee first thing in the morning and checking your work emails simultaneously- keep your laptop at a safe distance.

- Sitting down on the job

It sounds silly but it is possible to not acknowledge a laptop on the couch and to sit on it. Laptops can come in a variety of sizes and so they can be easily hidden under a sofa arm or blanket. Make sure you rest your laptop on a table or in a case when not in use, rather than just placed on a couch seat. Bodyweight alone can bend the case and ruin the screen.

- Beware of children

In a technologically advanced society, more and more kids these days are growing up alongside iPhones, iPads and iPods. But just because children are learning to use laptops from an early age, it doesn’t necessarily mean that they understand the importance or cost of a laptop.

Always assist your offspring when they’re using the laptop in case they press the keys in too hard or hit the screen by mistake. And believe us it is possible- not mentioning any names but one little monster sprayed a laptop with window cleaner because they thought they would help in the house cleaning!

Here our quick-fire guide to helping tell the difference between a word-worthy computer and a game-gaining mate.

Gaming:

• The laptop in question should have a superior high-end graphics card or GPU.
• It should also have a high performance powerful processor.
• It needs to have plenty of memory, including dedicated video RAM.
• It requires a large hard drive to store the games themselves.
• You’ll probably also need a large high-resolution display which, preferably, should be backed up with HD technologies such as Blu-ray.

These five laptops all fit the bill:

• Asus G71Gx-A2
• Toshiba Qosmi X505 – Q850
• MSI GT740
• Rock X790 (Clevo D900F)
• Alienware M17x (if money is no object!)

Photography:

Your best bet here might be an Apple Mac – the brand is renowned for its video editing and photography capabilities, and boasts tremendous colour rendition.

While Macs are tough, resilient creatures, when they do break down they often cost more to fix compared to PCs. That’s why gadget insurance is a must with any purchase.

PR3

Student/wordsmith/casual user:

Here, you’re looking for something cheap that can do exactly what you it to.

The top pick for specifications and price would have to be a Lenovo Ideapad G5600 – shop around and you’ll get this for £269 delivered. It comes with:

Processor: Intel Pentium P6200 2.13 GHz

RAM: 2GB in one slot (expandable to 8GB across 2)

Hard Drive: 320GB

Optical Drive: DVD +/- RW Drive (read/write CD & DVD)

Display: Widescreen 15.6″ HD TFT (Resolution 1366×768)

Graphics: Intel GMA HD (integrated)

Included Software: Windows 7 Home Premium

There is also a built-in webcam for chatting to friends on Skype, so while this laptop would suit the sociable surfer down to the ground, if this is someone who might develop into becoming more of an avid applications user they won’t need to upgrade.

No matter what you opt for, remember that prevention is better than cure. Hard drives on computers can last 30 minutes or 30 years, but laptop insurance – which through www.protectyourbubble.com can commence from only £3.99 per month – means that while your computer may crash, your finances won’t.

You will be covered against theft, accidental and liquid damage and breakdown. For more information visit www.protectyourbubble.com/li-laptop-insurance.

So, what are the main considerations you should make if you decide that you want insurance for your laptop?

• The first thing is likely to be the premium, which is the annual cost of the insurance policy. Premiums can vary significantly from provider to provider, with some being less cost-effective than others. Sometimes you are offered insurance when you purchase your laptop in the store, but you can also buy it independently, and it may make sense to shop around for the most suitable deal to ensure you are not spending more than you have to.

• Having said that, cheap gadget insurance may not always convert into the most suitable level of cover. Although you will normally want to purchase laptop insurance at the most cost-effective price possible, you should also try to find one that offers the most suitable level of cover.

• One thing you might consider looking into when you purchase laptop insurance is where you are covered for theft, damage and other events. Some insurance providers offer worldwide cover should you take your laptop on holiday. That means you will be covered in exactly the same way as you are in the UK, and you can take your laptop with you on holiday without worrying any more than at home.

• Another consideration which you might want to take into account is how quickly you can get a replacement laptop. For many people, even a few days without their laptops is close to a disaster. If it is particularly important that you get a replacement within 48 hours then it is worth looking for a gadget insurance policy which offers this.

• Whenever you buy any type of insurance, it is a good idea to pay attention to the excess charge. This is the amount that you have to pay when you make a claim, and it can vary from insurer to insurer. Some providers might allow you to alter the excess to change the premium, so make sure you know what the excess is and ask your provider if you have any questions about it.

These are a few of the most important considerations when you take out laptop insurance. There are others, such as the specifics of the cover and the events in which you will be able to make a claim, and it might be worth looking into these as well. Factors such as the excess and the location of cover can sometimes be overlooked, so it may be worthwhile paying special attention to these next time you are looking for insurance.