Laptop Protection Plan

Price drop on laptop protection!

We have heard loud and clear from parents that the laptop protection plan premium is way too high. We worked with our insurer to reduce the cost for FY2017. Fortunately, our "loss ratio" was favorable for the FY2016 school year. Further, we saved a significant amount by dropping theft coverage from the plan. We have had few thefts and MLTI covers those for which we get a police report. 

The Protection Plan is a hybrid of coverage provided by an insurance company, WorthAveGroup, Maine Learning Technology Initiative and the District. MLTI provides theft coverage for which a police report is provided. The District covers most instances of accidental damage that is not covered by the insurance company.

The premium for our Laptop Protection Plan for school year 2016-2017 is $49. Payment must be made in full to provide protection.

A Protection Plan sign-up form will be mailed home before school starts and is available in the list below.

Mike Dunn, Technology Director

 

Here's what the Protection Plan DOES cover:

Direct physical loss caused by accidental damage, fire, flood, vandalism, natural disasters and power surge due to lightning for the MLTI student laptop. This is worldwide, 24 hour x 7 day coverage. This includes chargers and power cords for accidental damage. The MLTI program covers theft if provided with a police report. The District provides coverage in those rare instances of claims refused by the insurance company and by MLTI.

There are an unlimited number of incidents per laptop per year.

Coverage period

 September 6, 2016 - September 5, 2017. If you enroll after the initial enrollment period, your coverage period will differ. Your premium will be pro-rated starting December 1, 2016.

This Protection Plan does NOT cover:

Accessories: Loss or damage to the carry case.

Corrosion & Rust: Loss or damage caused by or resulting from corrosion, rust or changes in humidity or temperature.

Cosmetic Damage: Loss for Cosmetic damage. Cosmetic damage means damage or changes to physical appearance of the covered property that does not impede or hinder the normal operational function of the scheduled property such as scratches, abrasions, change in color, texture, or finish.

Dishonest Acts: Loss or damage caused by your dishonesty or anyone acting for you. Nor do we cover any loss or damage arising from your illegal acts whether committed alone or in collusion with others.

However, if the loss is caused by an act arising out of a pattern of criminal domestic violence and the perpetrator of the loss is criminally prosecuted for the act causing the loss, this exclusion does not apply to an otherwise covered loss suffered by another insured who did not cooperate in or contribute to the act that caused the loss.

Electrical Breakdown: Loss or damage to electrical equipment caused by electricity other than lightning. If a fire results, we will pay for the loss or damage caused by the fire.

Intentional Acts: Loss or damage caused by your intentional damage or destruction of property covered under this policy.

Mechanical Breakdown: Loss loss or damage caused by mechanical breakdown or system failure if not caused by accidental damage. If a fire or explosion ensues, we will pay for that loss or damage.

Nuclear Hazard: Loss or damage caused directly or indirectly by nuclear reaction, nuclear radiation, or radioactive contamination. Loss caused by nuclear hazard is not considered loss caused by fire, explosion, smoke or any other insured peril. Direct loss by fire resulting from the nuclear hazard is covered.

Unexplained Loss or Mysterious Disappearance: Loss or damage where the only proof of loss is unexplained or is caused by the disappearance of property without the knowledge as to place, time or manner of its loss. If your property was stolen, you are required to notify the local police immediately upon discovery. This policy does not provide coverage if you fail to notify the police.

War-Government Seizure: Loss or damage caused directly or indirectly by: War (including undeclared war or civil war); or a warlike action by a military force; or invasion, insurrection, rebellion, revolution, or unlawful seizure of power including action taken by governmental authority to prevent or defend against any of these. We will not cover your property if it is seized or destroyed under quarantine or Customs regulations, or confiscated by any government or public authority.

Wear & tear: Loss or damage caused by or resulting from wear and tear, gradual deterioration, insect or vermin. Wear and Tear means the reduction in value to the Insured Product stemming from routine use and exposure.