Dell’s CompleteCare insurance

As I tend to break hardware every now and then I bought Dell’s CompleteCare pack for my new notebook computer. It comes with an comparable price tag to common insurances: approx. Euro 250 for 3 years.

Yesterday I got time to read the insurance policy  (which is issued by London General Insurance Company Limited), there were some disappointments in it:

CompleteCare – accident protection part:

• While the insurance is world-wide the notebook will only be replaced in some countries. Those include most European ones but the United States are excluded. If an accident happens in one excluded country it is my task to get the notebook to an included country where London’s Insurance agent might do the repair.
• The insurance is limited to three insurance claims
• Buckles and scratches are excluded as well as damages done through fire
• As soon as repair is done by anyone except an accepted agent the insurance warrant is void
• no war or terror related damages will be repaired

CompleteCare – burglary related part:

•  The same country specific limitations occur – so I should be covered but wouldn’t get a new computer if I’m in the U.S.
• The insurance only covers burglaries as long as there was an actually attack (against my person) or housebreaking is involved. If the notebook gets stolen at a airport the insurance won’t hold.
• If I leave the notebook at work it’s not enough if the work room is secured, the notebook must be stored in a safe deposit box or such.

Needless to say that I’m not really impressed.

I do understand that the computer is only replaced in countries where there’s Dell support available but why are the United States excluded?

The burglary insurance is next to useless as long as the “kingston lock security chain” is not a valid protection measure (as noted in the policy). But hey, what do expect of a company with a Ltd. in its name?

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