Accidental Damage and Warranties
Accidental damage cover is an optional extra you can add to your home insurance policy. “Accidental Damage” means physical damage, breakage or failure of Your Covered Equipment due to an unforeseen and unintentional event occurring either due to handling (e.g., dropping the Covered Equipment or through liquid contact) or due to an external event (e.g., extreme environmental or atmospheric conditions).
Extended warranties (not a warranty) may extend the same coverage terms of the warranty but for a longer term, and accidental damage from handling coverage can augment a manufacturer’s warranty. We’ll repair items for free if your product is within its warranty period.
The Manufacturer’s Promise: Essentially, an auto warranty is a promise given by the manufacturer or dealer to cover various defects and repairs over an allotted amount of time and/or certain amount of mileage on the car. In general, a basic warranty will last about three years or 36,000 miles.
Exclusions and Limitations
Is accidental damage covered under a warranty? No, accidental damage is not covered under a product’s warranty. Warranties typically cover manufacturing defects and hardware malfunctions, but not damage caused by accidents or improper use.
Does an extended warranty cover collision? In short: no, an extended warranty most likely will not cover your bodywork.
Yes! If you have comprehensive coverage on your policy, auto insurance can help pay for your stolen vehicle if it is not recovered.
Additional Protection Options
AppleCare+ offers additional coverage options including accidental damage protection. With AppleCare+, AirPods repairs due to accidental damage have a service fee but avoid more costly out-of-pocket expenses.
What doesn’t extended warranty cover? Extended warranties do not cover normal wear and tear, improper installation or use, damage from natural disasters or long-term environmental exposure.
Conclusion
In conclusion, physical damage falls outside manufacturer defect warranties. Consider supplemental coverage options if accidents are a concern after the standard warranty expires. Accidental damage policies ease repair costs but have limitations too.