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Laptop Insurance - The Vital Elements

Imagine if, for whatever reason, you were without your laptop. You need to do some work on it, or maybe some planning - you know why you need it.

But you cannot. It is incredibly frustrating. Many people have been in this situation.

Your laptop might be lost, stolen, damaged or just plain not working. How soon would it be before you are back with a functioning laptop, and how much is it going to cost you to get there?

Laptop Insurance is recognised as the necessary tool to help you through this, but how do you know if you are getting good cover at a price that represents good value to you?

To answer that, first you need to define exactly what is important to you. What are your likely risks?

For example, if you never travel with your laptop - maybe you just use it at home, sometimes in the lounge, sometimes in the study - then you are probably not going to need international cover as part of your laptop insurance. In this instance you are probably not going to need loss cover either (a laptop is not something you are likely to lose down the back of the sofa).

What if you just drop your laptop? You need your laptop insurance to be able to protect you for this. You do NOT want to have to commit insurance fraud (and thereby break the law) by lying in your claims process, you would want to make sure that you are covered for accidental damage.

So outline what elements of cover you think you will need. For example …

* Will you need Extended Warranty in case it just breaks down?
* Will you need loss cover?
* Will you need international cover?
* Will you need water damage cover?
* Will you need accidental damage cover?
* Will you need theft cover?

It may seem obvious to you that you need certain elements of cover, and maybe not others, but just consider the list above. Some people might feel more at risk of theft than water damage, while others might be the other way around.

For example, compare a travelling businessman with a Hydrological Consultant (who might be planning river system controls). The latter would obviously seem more at risk of water damage than theft.

Let’s look at each in turn …

Extended Warranty:
Bizarrely, very few companies offer Extended Warranties as part of Laptop Insurance. The only main provider that does is www.2u.co.uk/laptop-insurance/ . If you want to be covered for your laptop simply going wrong or breaking down, you need to be covered for this.

Loss Cover:
It would appear that almost no provider offers loss cover. It is most likely deemed to be too risky to insure.

International Cover:
Many providers will protect you for up to 60 days per year outside of the UK.

Water Damage:
This is not a common element of cover in many laptop insurance company’s policies, but it IS a common killer of laptops! How many times has that cup of tea or class of orange juice been dangerously close to spilling over your laptop keyboard?

Accidental Damage Cover:
Again, this is a common need for laptop insurance. You are walking along, maybe in a crown, and your laptop bag gets knocked out of you hand … and smacks down on the concrete. This is a relatively common element of laptop insurance.

Theft Cover:
This is the most obvious risk for your laptop. You laptop is a very portable, high value item. Anything that is worth a lot and can be carried while running away is a prime target for thieves. Consequently, this is the most common element of most laptop insurance policies.

On analysis of the market, if you need all of the different elements of cover, then the 2U Laptop Insurance is, to the knowledge of this author, the only laptop insurance policy available on the market that will meet all of your wants and needs.

If you do not need to protect yourself for all of these eventualities, you can find slimmed down levels of protection for your laptop with your local insurance broker, or in your search engine.

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Here are a couple of tips to speed up your Windows XP computer and help keep you protected and secure online. First you need to control which programs load on startup: Many of the programs you install on your computer automatically configure themselves to launch at startup, usually invisibly. The truly essential ones, such as anti-virus and firewall products, generally run as services and run fine in the background. Other less important software like media players don’t need to be running continually.

These extra programs slow the boot process and then severely suck up resources like memory and CPU cycles. It is pretty easy to control which applications launch on startup. The System Configuration Utility lists all these applications in one place:

1) To get there: Click the ‘Start’ button then choose the ‘Run’ command.

2) In the text box type “msconfig”. - Across the top of the dialog box select the ‘Startup’ tab.

3) The Startup Tab lists all the programs that launch at start-up. To disable any of these simply un-check the box on the left. Only non-essential programs are listed here it should be safe to un-check pretty much anything. If it turns out you needed it just go back and re-check it.

4) Once you are done re-boot the machine. 5) When the Desktop returns you will be presented with a window that says you have chosen Selective Startup. Just Check “Do not show this window again” and click OK.

To keep your computer secure, turn on automatic updates. Seems like every virus writer has nothing better to do then attack Windows operating systems. Keeping the system patches and security fixes is critical. During the setup of XP Service Pack 2 with a new computer or an up-grade you are asked whether or not to turn on automatic updates, if you made the mistake of checking no you can find this option in the Windows Security Center (Start / Control Panel) and change it back. Even with all its faults, XP is a powerful operating system that has many good security features.

Here are some more tips to help you get the most out of your operating system. Remove Windows components not found in ADD / REMOVE. Many Windows components, things like Network Services or Solitaire are easy to remove through the Add or Remove programs configuration window (Start / ControlPanel / Add and Remove Programs / Windows Components). Simply un-check them, but … some things are deliberately hidden.

A good example would be MSN Messenger. To remove this from startup follow these steps:

1) In Windows Explorer (right click Start / Explore), navigate to C:WindowsInf and make a copy of Sysoc.inf.

2) Double click on Sysoc.inf and it will open in Notepad.

3) Press Ctrl H (opens Find and Replace) and replace the string ,hide, with ,, then save and replace the file. Now all the hidden components will appear.

4) Then follow the steps above for removing programs from the startup menu.

To restore a corrupted system file: If a necessary system file should become missing or corrupted by a virus you can replace it from your Windows CD.

1) Go to Start / Search and type in the file name replacing the last letter with an underscore (ex. Filename.ex_).

2) If the file is found, open a command prompt (Start / Run, type CMD in the textbox).

3) At the prompt type expand followed by the full pathname of the file and destination (expand D:Windowsfilename.ex_ C:Windowsfilename.exe) where D: is the letter of your disc drive. If either pathname contains spaces surround the entire pathname with double quotes. If the file isn’t found search again using the un-modified file name, it is probably in a CAB file, Windows treats these as folders, simply drag the new folder to the destination while holding down the right mouse button then select Copy Here.

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With the advent of widespread broadband Internet connections, consumers are discovering what businesses have known for a while. Voice over IP telephony, or VoIP as it is known, can be a viable and cost effective alternative to the Plain Old Telephone System (POTS). As VoIP upstarts are popping up everywhere, most notably Vonage, Packet8 and Skype, even the big Internet Service Providers are offering voice over IP packages to their residential subscribers

Such features as caller ID, call forwarding, automatic redial, and even 3-way calling are standard on most VoIP packages, whereas many phone companies consider them add on’s and will charge you extra. But the real kicker is, if it is right for you and you pick the right Voice over IP solution, you should be able to reduce your phone bill by half or more.

How Does Voice over IP Work?

IP Telephony is a packet switching technology, as opposed to circuit switching as used by the PSTN (Public Switched Telephone Network). The PSTN method uses copper wires to physically connect one caller to another through a series of circuit switches, as illustrated by the switchboard operators of old.

In voice over IP, the analog voice is converted into digital packets that are routed through the internet, and in the case of one of the parties being on a PSTN connection, the packets are routed to the nearest local switching station and placed back on the PSTN. If both persons are using VoIP, then there is no reason to use the PSTN, and the entire conversation takes place over the Internet.

Needless to say, this is much more cost effective than using land lines for the entire distance. If a caller in New York uses VoIP to call a PSTN number in Seattle, the call doesn’t leave the internet until it reaches the switching station in Seattle, making it for all practical purposes, a local call.

The Drawbacks of Voice over IP Telephony

There are some points that one should seriously consider when thinking about dumping the POTS. VoIP generally requires a Broadband Internet connection, which in turn requires power. If a power outage should occur, you have no telephone service. Battery backups could solve this problem, but not on a long term basis. Internet Service Providers (ISP’s) also have a tendency to go down occasionally, though they are getting better all the time. Calls can be forwarded to your cell phone if your power is out, but in real disaster situation, even cell phones are not a perfect backup, as seen by Hurricane Katrina. Faxing over an IP network has proven to be problematic. Fax machines scan a document and convert the data into sounds, which don’t travel well over the internet. In IP telephony, much progress has been made on a standard called T.38, whose mission is to convert the fax sound into sendable data. Another option is iFax, the T.37 standard that sends faxes as an email attachment or a remote printout using the Internet Printing Protocol. Today, separate Fax lines can be added by most VoIP providers for an extra charge.

Emergency services such as 911 are also an issue with IP telephony. It is the nature of the Internet that tying a particular node to a geographic location is quite difficult, and street addresses are not easily routed to a nearby call center. In the U.S., the FCC has mandated that VoIP providers implement Enhanced 911 (E911). Providers are making progress by encouraging their customers to register a street address to their phone number, enabling them to route emergency calls to a nearby call center.

Voice over IP and Broadband Connections

While a broadband connection is not absolutely necessary, it is what makes VoIP shine. Many households are turning to DSL or cable modems for their internet connections, and wireless broadband WiFi hotspots are popping up everywhere.

The problem with DSL is that it is provided by telephone companies which for the most part require you to have a landline, pretty much defeating the purpose. Some regional Telco’s are starting to unbundle their DSL services by offering “naked DSL”, an Internet connection without the analog line on the local loop. When you think about it, there really doesn’t seem to be much motivation for the Telco’s to promote VoIP, as it would effectively be like cutting their revenues in half.

If your household has cable television, you more than likely can get broadband access through a cable modem. Most cable providers charge around $50 a month for broadband internet access, and for those who utilize the Internet often, a high speed internet connection is well worth the price. Some cable IPS’s offer residential Voice over IP for $40-$50 a month. Through the pure play VoIP companies like Vonage or Packet8, you can get VoIP for around $15-$25 a month, potentially eliminating the need for a land line at all.

Wireless networks also work great for VoIP, and are especially convenient if you travel a lot. Hotspots all over the world allow you to call anywhere using a WiFi VoIP phone. Internet phones come in all shapes and sizes with all kinds of bells and whistles. From a full business desk phone from Cisco, to phones indistinguishable from cell phones, even regular cell phones that are VoIP capable – new products and technologies are coming out every day to get you better connected for less.

Voice over IP telephony has come of age. If you have access to a broadband Internet connection, you could conceivably cut your phone bill by half or more, never pay long distance charges in the U.S. and Canada, and pay way less for International calls – as low as 3 cents per minute. Sound quality is usually as good as a cell phone connection. To test you current broadband connection, visit http://www.TestYourVoip.com and download the java applet. In about 20 seconds they will show you in detail how your VoIP phone call would fare to and from national and international destinations. Once you know if your connection can sustain the extra traffic, it’s just a matter of finding a reliable Voice over IP telephony service provider.

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