The policy is issued on the day of purchase
Spilled coffee, a drop, a power surge, theft. A year of cover for a new laptop at a 3% rate — from 45 000 UZS.
The four risks that most often put a laptop out of service. Outside Uzbekistan the policy does not apply.
Coffee, tea or water inside the case, full or partial immersion.
The laptop fell off a desk or out of a bag, was struck, or animals got to it.
A board burned out from the mains, ignition or spontaneous ignition.
Theft from a bag or in a café, wilful damage, hooliganism.
The full list of risks and exclusions is set out in the insurance rules
The insurer decides on the documents and the opinion of an authorised service centre.
The territory of insurance is the Republic of Uzbekistan, and only that.
The cause of the damage is known and confirmed by documents.
A report to the law enforcement authorities within 24 hours. A laptop left freely accessible is not covered.
The serial number is legible and matches the policy. Erased or altered — a refusal.
Cosmetic scratches, chips and cracks that do not affect performance are not covered.
A manufacturing defect is covered by the manufacturer’s warranty, not by the policy.
From purchase to repair
The “Purchase Protection” policy gives you back a working machine rather than compensation after the fact.
The amount is set by the opinion of an authorised service centre. Show a liquid-damaged laptop to the insurer and to the centre.
A 3% rate and the limits of cover
The sum insured is the value of the laptop on the receipt, and the premium is 3% of it. This is not “all risks”: the policy covers a closed list of five groups of events.
Three price anchors
The minimum is 45 000 UZS, the maximum sum insured is 30 000 000 UZS. A specialist will calculate the exact premium from your receipt.
No small print
20% unconditional deductible
20% of the damage for each event is your share. A repair of 2 000 000 UZS: the policy pays 1 600 000.
No cash is handed over
The funds go to the service centre for the repair or to the supplier or manufacturer for a new device — the insurer’s choice.
What stays outside the cover
Scratches and scuffs that do not hinder performance. Wear and corrosion. A manufacturing defect is the warranty’s area. A laptop left freely accessible.
What matters to know in advance
Six conditions on the policyholder’s side — the payout depends on them.
The policy is issued on the day of purchase. You need a passport, a receipt and the laptop details.
The policyholder’s passport or ID card. The policy is issued to an individual.
It confirms the purchase date: the policy is issued on the day of payment, no earlier and no later.
Check that the serial number on the case is legible.
The sum insured equals the laptop price: from 1 000 000 to 30 000 000 UZS.
Second-hand laptops and accessories are not accepted for insurance.
Each laptop is a separate contract. The premium is paid once for the whole term.
The first 24 hours decide whether the event is recognised as insured. After that — the service centre’s opinion and the documents.
Within 24 hours: theft — the law enforcement authorities, fire — the Ministry of Emergency Situations, a power surge — the electricity supplier.
In writing, also within 24 hours. Documents can be sent through the website, the app or email.
Do not open the case or repair it yourself: traces of repair and broken seals forfeit the right to a payout.
The policy, a passport, the warranty card, at least three photographs of the damage and the original opinion of the centre.
The decision — up to 10 working days, the insurance act — 3 working days, the payout — 10 working days from the date of the act.
Laptops and netbooks — new only and bought on the day the policy is paid for. Second-hand devices and accessories are not accepted. Separate rates apply to smartphones, tablets and large household appliances.
The rate is 3% of the value, and the premium is fixed by the sum insured band: from 45 000 UZS for a sum of 1–2 million up to 750 000 UZS for 20–30 million. A laptop at 3–4 million — 105 000 UZS, at 4–5 million — 135 000, at 9–10 million — 285 000. A specialist will calculate the exact premium from your receipt.
The policy takes effect at 00:00 on the day after the premium is paid and runs for 365 days (366 if 29 February falls within the term). The territory of insurance is the Republic of Uzbekistan.
For each event, 20% is deducted from the amount of the damage — the policyholder pays that part. A repair of 2 000 000 UZS: the policy covers 1 600 000. The calculation follows the opinion of an authorised service centre, both for damage and for a total loss.
No. The funds are transferred to an authorised service centre for the repair or to the supplier or manufacturer for a new device. The insurer chooses the form of payout.
Yes: theft, robbery and armed robbery are covered, but the law enforcement authorities must be notified within 24 hours. Theft from free access — an unlocked room, a car, the street — is not covered, nor are cases where entry has not been confirmed.
Cosmetic scratches, chips and cracks that do not affect performance. Wear, oxidation, corrosion and condensation. Breaches of the manufacturer’s manual. Traces of opening and self-performed repair, broken seals. Deliberate submersion. A manufacturing defect is the warranty’s area. Also war, terrorism, radiation and seizure of property by state authorities.
Yes, if the goods are returned under the Law “On the Protection of Consumer Rights” within 10 calendar days of the purchase date. 25% of the earned part is withheld from the premium as administrative expenses. If a claim or a payout has already been made, the premium is not refunded.
Submit a request and a specialist will explain the policy terms for your laptop.
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