We're not doing 1:1 yet, but for the several hundred laptops we have on
campus, the accidental damage rate tends to be pretty steady, at just a
percent or so a year, so it would be silly to pay for insurance, the
insurer would make out like a bandit.  The greater risk, IMO, is that even
the best manufacturers occasionally make a bum design, and the thing won't
last the 4 years we'd want to get out of a 1:1 machine.  We buy our
teachers new laptops every 3-4 years, and the old ones go into carts, and
the machines coming out of carts get discarded.  So we get 6-7 years out
of the average laptop.  I've had models where 95% of them last those 6
years without ever needing service, and other models (the Dell Dimension
505 comes to mind) where 1/3 of them needed new motherboards in the first
three years.

Lest you Apple fans get too smug, our elementary schools had the same luck
with a particular 15" G4 iBook...

So the real crap shoot isn't on damage protection, it's on whether or not
you purchase extended warrantees.  What we really need is to assume some
risk ourselves, but have some sort of stop-loss policy in place to guard
against this.

Bob Wickberg
Technology Coordinator
Brattleboro Union High School District # 6

School Information Technology Discussion <[log in to unmask]> writes:
>We have yet to do 1:1 but on staff and student shared computers we
>dropped the extended and accidental warranties that the district used to
>pay. Insurance companies are in the business of making money and use
>actuaries to calculate costs and risks. We have come out way ahead. Of
>course 1:1 tends to have a higher breakage rate. 
>Chris Moody
>Director of Technology
>Springfield School District
>[ mailto:[log in to unmask] ][log in to unmask]
>On Tue, Dec 3, 2013 at 9:16 AM, Bryan Thompson <[
>mailto:[log in to unmask] ][log in to unmask]> wrote:
>Hi, we have a 1:1 with our high school students. We are currently paying
>for accidental damage insurance. We're wondering if other schools are
>going from accidental damage insurance to self-insurance. We're gathering
>data to see if our insurance is more expensive than just having a repair
> Please consider the environment before printing this email.  
>Bryan Thompson
>Technology Coordinator
>Winooski School District
>60 Normand Street
>Winooski, VT 05404
>[ tel:802-655-2555 ]802-655-2555