Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • w00519772
    • By w00519772 9th Nov 19, 8:14 AM
    • 1,285Posts
    • 215Thanks
    w00519772
    Is Apple Care worth it if I have home insurance that covers it?
    • #1
    • 9th Nov 19, 8:14 AM
    Is Apple Care worth it if I have home insurance that covers it? 9th Nov 19 at 8:14 AM
    I have recently purchased an Apple Mac Pro and I have a warranty of one year. I understand that you can extend the warranty by purchasing Apple Care Plus within six months of buying the device.

    I am debating whether or not to buy this. I believe my home insurance covers me for accidental damage and therefore I am wandering if Apple Care Plus is worthwhile for me.
Page 1
    • Neil Jones
    • By Neil Jones 9th Nov 19, 8:35 AM
    • 2,904 Posts
    • 2,087 Thanks
    Neil Jones
    • #2
    • 9th Nov 19, 8:35 AM
    • #2
    • 9th Nov 19, 8:35 AM
    If you "believe" your home insurance does then you need to check whether it does or not. Whether you want to buy the Plus is up to you but make sure you read its T&Cs carefully before you buy:
    https://www.apple.com/uk/legal/sales-support/applecare/applecareplus/docs/applecareplusmac_uk_tc.html
    • Jon 01
    • By Jon 01 9th Nov 19, 11:57 AM
    • 5,404 Posts
    • 1,795 Thanks
    Jon 01
    • #3
    • 9th Nov 19, 11:57 AM
    • #3
    • 9th Nov 19, 11:57 AM
    With Apple Care, you take the item back to an Apple store. They confirm it's broken, they give you a new(ish) one there and then.

    You claim on your insurance, they think about it a while, then they'll find a way not to pay out if they can, if they have too, then they might send you a new(ish) one at some point...
    • dipsomaniac
    • By dipsomaniac 9th Nov 19, 12:25 PM
    • 6,159 Posts
    • 2,500 Thanks
    dipsomaniac
    • #4
    • 9th Nov 19, 12:25 PM
    • #4
    • 9th Nov 19, 12:25 PM
    Insurance is all about risk over cost (you haven't stated cost) and the odds are always stacked in the insurance companies favour. That's why they have the biggest buildings in town. Unless the law/mortgage co requires it I don't insure it. Better to put the premiums in a savings account imo.
    "The Holy Writ of Gloucester Rugby Club demands: first, that the forwards shall win the ball; second, that the forwards shall keep the ball; and third, the backs shall buy the beer." - Doug Ibbotson
    • tempus_fugit
    • By tempus_fugit 9th Nov 19, 5:29 PM
    • 786 Posts
    • 748 Thanks
    tempus_fugit
    • #5
    • 9th Nov 19, 5:29 PM
    • #5
    • 9th Nov 19, 5:29 PM
    Apple Care also covers other things that are not covered by your home insurance.
    Retired at age 56 after having "light bulb moment" due to reading MSE and its forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.

    Pedant point: There is no such word or construction as "I's", the word to use is "my".
    • dipsomaniac
    • By dipsomaniac 9th Nov 19, 6:26 PM
    • 6,159 Posts
    • 2,500 Thanks
    dipsomaniac
    • #6
    • 9th Nov 19, 6:26 PM
    • #6
    • 9th Nov 19, 6:26 PM
    Please enlighten us to cost and other things covered
    "The Holy Writ of Gloucester Rugby Club demands: first, that the forwards shall win the ball; second, that the forwards shall keep the ball; and third, the backs shall buy the beer." - Doug Ibbotson
    • datostar
    • By datostar 9th Nov 19, 7:14 PM
    • 1,187 Posts
    • 704 Thanks
    datostar
    • #7
    • 9th Nov 19, 7:14 PM
    • #7
    • 9th Nov 19, 7:14 PM
    Check with Apple that the period allowed for purchase of Apple Care Plus is 6 months. It does vary according to device but that sounds rather a long time. A Mac Pro is Apple's top of the line desktop machine and rather expensive. I'd definitely go for the Apple Care with one of those.
    While your home insurance covers accidental damage, it certainly won't cover component failure. I've got an iPad Pro with Smart Folio Keyboard. The Keyboard failed 9 months after expiry of the Apple Care and they still replaced it FOC.
    • dipsomaniac
    • By dipsomaniac 9th Nov 19, 8:48 PM
    • 6,159 Posts
    • 2,500 Thanks
    dipsomaniac
    • #8
    • 9th Nov 19, 8:48 PM
    • #8
    • 9th Nov 19, 8:48 PM
    What is so secret about the cost of apples insurance????
    "The Holy Writ of Gloucester Rugby Club demands: first, that the forwards shall win the ball; second, that the forwards shall keep the ball; and third, the backs shall buy the beer." - Doug Ibbotson
    • custardy
    • By custardy 11th Nov 19, 8:22 AM
    • 34,978 Posts
    • 29,631 Thanks
    custardy
    • #9
    • 11th Nov 19, 8:22 AM
    • #9
    • 11th Nov 19, 8:22 AM
    Check with Apple that the period allowed for purchase of Apple Care Plus is 6 months. It does vary according to device but that sounds rather a long time. A Mac Pro is Apple's top of the line desktop machine and rather expensive. I'd definitely go for the Apple Care with one of those.
    While your home insurance covers accidental damage, it certainly won't cover component failure. I've got an iPad Pro with Smart Folio Keyboard. The Keyboard failed 9 months after expiry of the Apple Care and they still replaced it FOC.
    Originally posted by datostar
    Well I could start on preloaded pricing for such 'FOC' items
    • sal_III
    • By sal_III 11th Nov 19, 11:26 AM
    • 1,552 Posts
    • 1,449 Thanks
    sal_III
    You are comparing apples to oranges. One is insurance, the other is a warranty product.

    At the very least AppleCare doesn't offer protection from loss/theft. While your home insurance is highly unlikely to offer hardware failure cover.

    The appalling 1 year warranty for what is a very expensive product is the main reason for me to prefer other brands when it comes to Laptops (still Apple household when it comes to mobiles). just a couple of months ago I bought Dell XPS with 5 years next day on-site warranty about 1/3 cheaper than equivalent Mac.
    • custardy
    • By custardy 11th Nov 19, 11:33 AM
    • 34,978 Posts
    • 29,631 Thanks
    custardy
    You are comparing apples to oranges. One is insurance, the other is a warranty product.

    At the very least AppleCare doesn't offer protection from loss/theft. While your home insurance is highly unlikely to offer hardware failure cover.

    The appalling 1 year warranty for what is a very expensive product is the main reason for me to prefer other brands when it comes to Laptops (still Apple household when it comes to mobiles). just a couple of months ago I bought Dell XPS with 5 years next day on-site warranty about 1/3 cheaper than equivalent Mac.
    Originally posted by sal_III
    Of course theres the other possible issues with Applecare.
    You are at the mercy of Apple.
    I watched a video the other day (damned if I can find it)where Apple declared a Macbook water damaged and refused repair offering only a new mobo at buyers cost. (under 1 year old)
    Mac was opened by a repairer and showed no water damage. It was a chip on the board which is coded to the board. So repairer couldnt repair. Theres non SOS ports on the drives now so to even get their data they need to pay for the mobo
    • sal_III
    • By sal_III 11th Nov 19, 11:51 AM
    • 1,552 Posts
    • 1,449 Thanks
    sal_III
    Of course theres the other possible issues with Applecare.
    You are at the mercy of Apple.
    I watched a video the other day (damned if I can find it)where Apple declared a Macbook water damaged and refused repair offering only a new mobo at buyers cost. (under 1 year old)
    Mac was opened by a repairer and showed no water damage. It was a chip on the board which is coded to the board. So repairer couldnt repair. Theres non SOS ports on the drives now so to even get their data they need to pay for the mobo
    Originally posted by custardy
    You are preaching to the choir
    The case you quoted seems like an isolated case, besides it's just as likely to happen with any other warranty provider.
    A more fundamental issue with Apple warranty on Macs is that if you have a non-basic device (extra SSD/RAM) that's not in stock for immediate replacement you are likely to wait weeks for your device to be repaired.

    As for not being able to extract the data from the failed Laptop - that's also true fro most high end Laptops, as they have often soldered NVME SSDs. With the plethora of cheap cloud backups and external storage there is really no excuse for not having a backup. Especially on a Mac, where TimeMachine is so seamless and user friendly.
    • custardy
    • By custardy 11th Nov 19, 2:00 PM
    • 34,978 Posts
    • 29,631 Thanks
    custardy
    You are preaching to the choir
    The case you quoted seems like an isolated case, besides it's just as likely to happen with any other warranty provider.
    A more fundamental issue with Apple warranty on Macs is that if you have a non-basic device (extra SSD/RAM) that's not in stock for immediate replacement you are likely to wait weeks for your device to be repaired.

    As for not being able to extract the data from the failed Laptop - that's also true fro most high end Laptops, as they have often soldered NVME SSDs. With the plethora of cheap cloud backups and external storage there is really no excuse for not having a backup. Especially on a Mac, where TimeMachine is so seamless and user friendly.
    Originally posted by sal_III
    It may happen with others. However the 'others' arent stopping the supply of the parts to repair the board and coding parts to prevent repair
    Dont make me start posting anti Apple vids
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,670Posts Today

7,411Users online

Martin's Twitter