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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.

Many of us do not realise the value of the everyday 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 everyday gadgets. Insurance helps cover the cost for replacement or repair when things do go wrong.

If you select Bronze cover:

  • Accidental damage
  • Liquid damage

If you select Silver cover:

  • Accidental damage
  • Liquid damage
  • Theft
  • Breakdown (excluding laptops)
  • E-Wallet protection
  • Unauthorised calls/data

If you select Gold cover:

  • Accidental damage
  • Liquid damage
  • Theft
  • Breakdown (excluding laptops)
  • E-Wallet protection
  • Unauthorised calls/data
  • Accidental loss
  • Accessories cover

Your gadget insurance will begin on your chosen start date.

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 type of gadget you have insured with us and the type of claim you need to make. The same excess fee applies for any type of claim.

The excess fees are set out below:

Gadget Value (when new)


Up to £500


Up to £1000


Over £1000


One thing you should be aware of before purchasing a gadget insurance contract is reading it carefully to see which type of exclusions apply.

The three main exclusions applicable to all policies are:

  • Any damage sustained through servicing, maintenance or cleaning.
  • Wear and Tear
  • Electrical breakdown of laptops or computers

Further exclusions may apply dependant on the level of cover you have selected. Please refer to the Policy Wording for all exclusions applicable on your policy.

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), 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.

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.

Gadget-cover.com want to make it as simple as possible for you to report a claim. The quickest and easiest way is to register your claim online at the following link Register claim here.

If you are unable to register your claim online, you can also send us an email to: gadgetcoverclaims@davies-group.com.  Alternatively, you can call our dedicated Claim Advisors on 0203 794 9294.

On all claims you need to do the following:

If your claim is for damage, we will ask you to send the gadget to our nominated repair centre where we can inspect and repair it. We aim to repair or replace items within 5 to 7 working days.

If your claim if for the theft or loss of your gadget you must report the theft or loss to the police and your service provider no later than 48 hours after you notice that your gadget is missing.

Make sure to contact us as quickly as possible and within 48 hours from discovering loss or theft of your gadget, by using the following link Register claim here

This insurance is arranged by Gadget Cover which is a trading name of Insurance Factory Limited and underwritten by West Bay Insurance PLC. Registered in Gibraltar (Reg No. 84085). Registered Office: 846 - 848 Europort, Gibraltar.

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

You should contact Customer Services on 0203 794 9294 with your new gadget details or email customerservices@gadget-cover.com.

You may cancel the insurance, without giving reason, by contacting us either in writing to Gadget Cover, 2nd Floor, 5000 Lakeside, North Harbour, Western Road, Portsmouth PO6 3EN, by telephoning 0203 794 9294 or by emailing cancellations@gadget-cover.com.

Please see full Policy Wording for details

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.

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

If you wish to make a complaint, please contact us by phone on 0203 794 9294 or email us at complaints@gadget-cover.com

Further details on making a complaint can be found in your Terms and Conditions