Frequently Asked Questions

If you are an existing customer please refer to your Terms and Conditions or contact Gadget Cover if you have any questions as the policy you purchased could vary from the one available today

  • What does Gadget Cover Insure?

    We offer insurance on Mobile Phones, iPhones, iPads, Tablets, PDAs, MP3 Players, iPods, Satellite Navigation Systems, PSP's and other game consoles, Cameras, Camcorders, Personal Media Players and Laptops.

  • Why do I need to insure?

    Many of us do not realise the value of the every day items carried in our briefcase / rucksack / handbag. It's only when something goes wrong and we have to replace these products that we understand the true value, both personally and financially of our every day gadgets.

    According to a recent survey by Zurich Insurance, the average person will carry £851 worth of hand held gadgets with them every day, for Londoners, this rises to £1034.

    This is in addition to the...

    600,000 electronic devices that were dropped in the toilet
    400,000 electronic devices were dropped in drinks and the
    200,000 electronic items that ended their life in a washing machine

    And, did you know that at least one in seven people are not covered by either their home contents specialist insurance – a potential £5bn worth of goods at financial risk every day.

  • What is covered under the policy?

    Theft – including unattended theft from a secure vehicle / secure premises Accidental Loss for mobile phones, iPads and smartwatches only (optional additional £1 per month for a mobile or smartwatch and £1.50 per month for an iPad) Extended Warranty (not included on Laptops) Accidental Damage Liquid Damage Malicious Damage Worldwide Cover (180 days) Unauthorised Call Use (up to £2500) Accessories Cover (up to £150), E-wallet Cover, Unlimited Claims, Instant Cover, Family Cover – your gadget's covered whether you or a member of your immediate family* are using the gadget *Immediate family includes your mother, father, son, daughter and spouse. It also includes your domestic partner (domestic partner is defined under this policy as someone you are living with in a long-term permanent relationship as if you are married to them).

  • When does my cover begin?

    Your gadget insurance will be set up right away.

  • What are the main exclusions?

    * Leaving the item unattended when it is away from your home.
    * Theft from vehicle or premises where there is no visible sign of forced entry.
    * Any claim where evidence of ownership cannot be provided
    * Any claim where the gadget has not been used since the insurance has been taken out

  • Is there an excess fee?

    In the event that you make a claim, an excess fee applies which must be paid to us before your claim can be settled. This excess fee varies depending on the value of your gadget when new. If your claim is for a gadget up to the value of £500 (when new) the excess fee is £50 for any claim. If your claim is for a gadget between the values of £501 and £999 (when new) the excess fee is £75 for any claim. If your claim is for a gadget over the value of £1000 (when new) the excess fee is
    £100 for any claim.

  • Do I need to supply a receipt?

    You will need to be able to evidence ownership for all the items you are claiming for at the point of claim. This can be a copy of your receipt (the receipt should be in the policy holders name or an immediate family member - as per our Ts&Cs), a gift receipt (provided it has your name on it), a delivery note or in the case of a mobile phone, a confirmation from your network provider of the phone you have in use on your contract and it’s IMEI number.

  • Is there an age restriction on the items I can insure?

    The item must not be more than 18 months old when the insurance is first purchased. There is no limit on how long the item can be insured, thereafter.

  • How do I make a claim?

    You can make a claim by calling our dedicated Claim Advisors on 0203 794 9294, by emailing at

  • What is the claims procedure?

    In the event of a claim you must:
    Report the theft / loss to the police within 48 hours of discovery.
    Report the theft / loss of a mobile phone / tablet to your Service Provider immediately, but in any case within 24 hours of discovery.
    If your claim relates to a faulty item, the faulty item must be provided.
    Contact us within 48 hours of discovery of any claim.
    Failure to comply with the above may result in your claim being delayed or rejected.

    Once all the requested information has been received we will aim to process your claim within 48 hours.

  • How long will my claim take to process?

    Once we have all the documentation we ask for we aim to make a decision within 48 working hours.  If approved you will be required to pay your policy excess before the claim can proceed.  Any delay in you supplying the information or you paying your excess will make the claim decision or process take longer.  If your claim is for damage you will be required to send the damaged item to our nominated repair centre for inspection and repair.  In all cases we aim to repair or replace items within 5 to 7 working days.

  • Who is the policy Underwritten by?

    This insurance is arranged by Insurance Factory Limited and underwritten by Zenith Insurance Plc, Authorised Insurers, registered in Gibraltar No 84085. Registered Office: 846-848 Europort, Gibraltar

    Zenith Insurance Plc is regulated by the Gibraltar Financial Services Commission and subject to a limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in respect of underwriting insurance business in the UK (No. 211787)

  • What should I do if I replace my insured item?

    You should contact Customer Services on 0203 794 9294 with your new gadget details or email

  • How can I cancel the insurance?

    You may cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting of (if later) within 14 days of you receiving the insurance documents.

    If you wish to cancel your insurance after the initial period you can do so by either writing to Gadget Cover, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL, by telephoning 0203 794 9294 or by emailing

  • I cannot find the answer to my question. What next?

    Sales related:

    General enquiries:


  • I am under 18 years of age, can I insure my gadget?

    Unfortunately we are unable to insure any item if you are under 18 years of age. However, so long as you still live with your parents, they can purchase the policy for you and when you turn 18 they can then transfer the policy into your name.

  • Do I need to live in the UK?

    To insure your gadget, you need to be a permanent resident of the UK.

  • If I have a complaint, what should I do?

    It is the intention to give you the best possible service but if you do have any questions or concerns about this insurance or the handling of a claim you should in the first instance contact Gadget Cover’s Customer Services Director. The contact details are: The Customer Services Director, Gadget Cover, Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL. Tel: 0203 794 9294 Email: Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response. You may go directly to the Financial Ombudsman Service with your complaint, but the Ombudsman will only review your complaint at this stage with our consent. However, we are still required to follow the procedure as stated within the Complaints Procedure or alternatively you can use the How will my complaint be dealt with?