While most of us wouldn’t think twice about owning a home, driving a car or travelling overseas uninsured, it’s all too often only when your phone is lost or damaged, or your laptop stolen or flooded with coffee that you start to think seriously about gadget insurance.
Unfortunately, splintered screens, theft and water damage happen all too frequently, especially given the portable nature of these devices, causing not only the loss of vital data but considerable financial pain as well. Just because your phone or laptop was a bargain buy, that doesn’t mean you’ll necessarily be able to repair or replace it equally cheaply.
You may have a warranty from your manufacturer, but, often, you will only be able to claim this forÂ hardware or software problems or other manufacturing issues.
Cheap Mobile Insurance: The Options
If you’re looking for cheap mobile insurance, you could consider an in-store policy when you buy your phone, but many people are wary of this kind of cover, and worry that it does not provide value for money.
Another alternative is to include your gadgets on your home contents insurance policy, but, again, there can be problems. For a start, you’ll need to pay an extra premium, which can rise if you do have to make a claim. Equally, any no-claims bonus will inevitably be affected by any claims you make.
Additionally, this kind of mobile phone insurance cover becomes worthless if anything happens to your device outside home, and that goes for any calls made after your phone is stolen.
For many people, especially those with a number of high-value gadgets you use a lot away from home, a separately bought policy saves stress and money.
Gadget Insurance: Top Tips
When you are insuring your gadgets, think about where and how each device is most frequently used. If you are likely to be taking a phone or laptop away with you on holiday, look for international cover.
Check the small print and any policy limitations, and understand exactly what you are covered for in all scenarios. The last thing you want is to believe you’re covered for something when you’re not.
What we Offer at Gadget Cover
At Gadget Cover, we offer comprehensive insurance for everything from mobile phones to computers, sat nav systems, MP3 players, iPods, TVs and a lot more besides, to some half a million customers across the UK.
We want to minimise the inconvenience of losing an electronic item, or having it stolen, by giving you the best and most reliable service we possibly can. And we invest as much in our staff as we do in our services.
Our comprehensive, competitively priced policies cover most things that can happen to your gadgets, giving you total peace of mind. We don’t tie you in to long term contracts, but offer a free month’s cover on any new policy, and free 3GB data back-up, among many other great benefits.