Gadget Insurance Older Than 36 Months

Gadget Insurance Older Than 36 Months: What You Need to Know

Gadget insurance has become popular in recent years as people rely more and more on their smartphones, laptops, and other electronic devices. However, many policies have a time limit, after which the gadget is no longer covered. This limit is usually 36 months, and it raises the question of whether it is worth continuing to pay for insurance once this limit has been reached.

In this article, we will explore the topic of gadget insurance older than 36 months. We will discuss what it means, whether it is worth it, and what alternatives are available for those who do not wish to pay for insurance anymore.

What is Gadget Insurance?

Gadget insurance is a policy that covers your electronic devices against accidental damage, theft, breakdown, and other risks. It typically covers smartphones, laptops, tablets, cameras, and other gadgets. The policy can be purchased from an insurance company or a mobile network operator, and it usually costs a monthly or annual fee.

The coverage varies from policy to policy, but it usually includes repair or replacement of the gadget, as well as some additional benefits such as worldwide coverage, data backup, and technical support. The policy may also have some restrictions or exclusions, such as a deductible, a limit on the number of claims, or a time limit.

What is the 36-Month Limit?

The 36-month limit is a common feature of gadget insurance policies. It means that the policy will only cover the gadget for a maximum of 36 months from the date of purchase or activation. After this period, the policy will expire and will not offer any coverage anymore.

The reason for this limit is that gadgets become less valuable and more prone to damage or malfunction as they age. After 36 months, the gadget may have lost some of its original features, may have been repaired or replaced, or may have become obsolete. Hence, the insurance company may not want to continue to insure a gadget that is no longer worth as much as it used to be.

Is Gadget Insurance Older Than 36 Months Worth It?

Whether gadget insurance older than 36 months is worth it depends on several factors, such as the value of the gadget, the cost of the insurance, the likelihood of damage or theft, and the availability of other options.

If the gadget is still valuable and essential for your work or personal life, and you cannot afford to replace it if something happens, then it may be worth continuing to pay for insurance. However, if the gadget has already lost much of its value, or you have other ways of protecting it, such as a protective case, a warranty, or a home insurance policy, then the insurance may not be necessary anymore.

Moreover, the cost of insurance can increase significantly as the gadget gets older, as the risk of damage or theft increases. Therefore, it is important to compare the price and coverage of different policies and read the fine print carefully before renewing or switching your insurance.

What Are the Alternatives to Gadget Insurance?

If you do not want to pay for gadget insurance anymore, or if you find it too expensive, there are still some alternative ways to protect your gadgets, such as:

1. Protective Case: A sturdy case can prevent accidental damage to your gadget, such as a cracked screen or a dent. There are many types of cases available, from slim and stylish to rugged and waterproof, depending on your needs and preferences.

2. Warranty: Most gadgets come with a manufacturer’s warranty that covers defects and malfunctions for a limited period, usually one or two years. You can also purchase an extended warranty from the manufacturer or a third-party provider for additional coverage.

3. Home Insurance: If you have a home insurance policy, you may already be covered for accidental damage or theft of your gadgets, as long as they are within the policy limits. However, you may need to pay a deductible and provide proof of ownership and value.

4. Self-Insurance: If you can afford to replace your gadget if something happens, you can choose to self-insure by setting aside some money each month for this purpose. This way, you can avoid paying for insurance premiums and still have some protection against unexpected events.


Gadget insurance older than 36 months is a topic that affects many gadget owners who want to know whether they should continue to pay for insurance or not. The answer depends on various factors, such as the value of the gadget, the cost of the insurance, and the availability of other options. While insurance can provide peace of mind and financial protection, it may not be necessary or cost-effective for everyone. Therefore, it is important to assess your needs and options carefully before making a decision.