Protect your bubble / other cover plans

[Stissy]

So, I recently smashed my laptop to pieces and it stopped working. Luckily, I took out the protection plan when I bought my laptop, so it’s been sent away for repair free of charge. My laptop is very important for me for my uni work, and I also do a bit of digital photography.

Fortunately, I can use my phone and ipad as an interim until I get my laptop back. They’re not as good, but they’re good enough so that I can talk to the people at my uni, sort out work etc. This got me thinking, if I now smashed my phone/ipad I’d be in serious trouble, as they’re not covered.

So I thought I’d get them covered. I first tried to get them added to the protection plan I took out when I bought my laptop, but since they were bought from different stores, I wasn’t able to. I then phoned up ‘protect your bubble’ and they quoted me £8pm to get my phone (which is a Z1) and ipad (16gb mini retina) covered. I asked what the cover included, and they said “everything, apart from if you break the screen or if you lose it”. Now, don’t get me wrong, but aside from water damage (and the Z1 is waterproof), I don’t know how else you’d break these things? So it sounds to me like the insurance company is nothing more than a scam.

Has anyone had any experience with protect your bubble? Or any other similar company? Is there anyone that might be better? I don’t want to pay £8pm and then the day I break my phone or something and it stops working, they say “sorry sir, we don’t cover cracked screens”.


tl;dr: Are protect your bubble a scam? Are there any decent gadget protection companies?