Protection from power surges

YOURLifeChoices subscriber Jenny wants to know if her home and contents insurance will cover her computer from power surges. Drew explains what the majority of insurance policies cover and suggests ways Jenny can protect her computer and data from power surges.

YOURLifeChoices subscriber Jenny wants to know if her home and contents insurance will cover her computer from power surges. Drew explains what the majority of insurance policies cover and suggests ways Jenny can protect her computer and data from power surges.

Do you have a technology question you need answered? Just ask Drew.

Q. A friend has told me that if I don't have surge protection on my computer and if I have an electrical fault, I won't be covered under my house insurance, is this correct? I don’t really want to go out and buy a surge protection unit but I don't want my computer not to be covered.
Thanks,
Jenny

A.
Hi Jenny,
Power surge protection is rarely included in home and contents insurance plans in Australia and needs to be selected as an extra. It may be worth calling up your insurance company to check if it is included in your current plan.

In terms of protecting your computer from power surges, it is always recommended that you turn off your computer when there is an electrical storm in your area, as these are the largest cause of power surges. The other thing I would suggest you do is go out and buy a surge protection unit for any piece of equipment which you couldn’t afford to replace if it shorted out. Surge protectors are quite inexpensive with a quality Belkin brand protector selling from as little as $13.

While surge protection is a must, it is also important to back up files on your computer which you couldn’t afford to lose. A 4GB flash drive is one of the many inexpensive products on offer from just $8. If you are happy with backing up your important files online, then a Google Documents account is what you need. Google Documents provides you with a free 10GB storage limit to upload all of your valuable information online.



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    COMMENTS

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    BBB
    29th Oct 2011
    9:40am
    There are other considerations, if the surge has been caused by a fault in the network you may be able to claim off the Electricity company, not the retailer. Under tort they may be liable to reinstate the asset ( Computer) to the condition it was in prior to the incident. If the fault in the network was caused by another party ie a vehicle running into a power pole causing the HV and Lv to clash, you would claim against the driver of the vehicle. It is best to contact the police and endeavor to obtain the traffic Incident number to assist you with your claim.


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